Calculators

Retirement Calculators

Federal, military, and specialty retirement calculators, plus state and teacher pension calculators. All free, no signup.

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Federal & specialty retirement calculators

Live now — built and tested against the actual government and IRS formulas, not a generic estimate.

Estimate your FERS annuity from your High-3 salary, years of service, and retirement age.

See how many years your savings will last at your withdrawal rate, adjusted for inflation and taxes.

Estimate federal tax on pensions, withdrawals, and Social Security, plus your quarterly payment.

Calculate retired pay under Legacy High-3, BRS, Reserve points, or Chapter 61 disability rules.

Project your BTC holdings' value at retirement under a growth rate you choose.

Project your Thrift Savings Plan balance, including the real agency match formula.

Estimate your Tier I and Tier II railroad retirement annuity, including the 30-year rule.

Find your FIRE number and the smaller Coast FIRE number you need saved today.

Get your exact retirement date, a live countdown, and your Social Security full retirement age.

Formula-based calculators for specific state and teacher pension systems.

Deep dives to help you get more out of every calculator above.

Three tools, three very different assumptions baked in before you type a single number.

The exact formulas behind our calculators, laid out in a spreadsheet you can download and edit.

Divorce & LegalComing soon

How pensions, 401(k)s, and Social Security factor into spousal support calculations.