FERS+CSRS Calculator -FedPay

Built exclusively for U.S. federal employees, FedRetire calculates your complete retirement picture — pension, TSP, Social Security, FERS Supplement, and true net take-home pay after taxes and health costs. Everything runs 100% on your device. No account needed. No internet connection required. Your data never leaves your phone.

COMPLETE FERS & CSRS SUPPORT

Full support for FERS, CSRS, CSRS Offset, and FERS Transfer employees. All special provision categories included: Law Enforcement Officers (LEO), Firefighters (FF), Air Traffic Controllers (ATC), and Customs & Border Protection Officers (CBPO) — with the correct 1.7% multiplier and mandatory retirement age rules.

PENSION CALCULATOR

Calculates your exact pension using your High-3 salary, years of service, and the correct formula for your system and category. Includes sick leave credit, military buyback cost and break-even analysis, survivor benefit elections, and COLA projections from retirement through life expectancy.

FERS ANNUITY SUPPLEMENT

Automatically calculates your Special Retirement Supplement if you retire before 62 under an immediate annuity. Shows the earnings test limit, estimated lifetime value, and exactly when it ends — regardless of when you claim Social Security.

TSP PROJECTIONS

Projects your Thrift Savings Plan balance to retirement using your current balance, contributions, and growth assumptions. Includes year-by-year withdrawal modeling, RMD tracking starting at age 73, and depletion age analysis so you always know when funds run out.

SOCIAL SECURITY ANALYSIS

Compare claiming at ages 62, 67, and 70 with cumulative lifetime benefit analysis. Full WEP (Windfall Elimination Provision) support for CSRS employees with Social Security coverage.

TAXES & NET INCOME

Federal income tax calculated using current IRS brackets for your filing status. State-specific rules for all 50 states and DC — including pension exemptions, Social Security taxation, and no-income-tax states. See your true net monthly income after every deduction.

HEALTH COST PROJECTIONS

FEHB premium projections with annual growth through retirement. Medicare Part B, Part D, and Medigap cost planning. Automatic reminder when Medicare enrollment is approaching to help you avoid costly late enrollment penalties.

YEAR-BY-YEAR TIMELINE

See every income source from retirement day through life expectancy. Key milestones highlighted automatically: FERS Supplement ending, Social Security beginning, Medicare eligibility at 65, TSP Required Minimum Distributions at 73, and TSP depletion. Tap any year to expand the full detail.

MULTIPLE PROFILES

Create separate profiles for you and your spouse, or model different retirement scenarios side by side. Switch between profiles instantly. Each profile is saved privately on your device — nothing is shared or synced.

COMPARE SCENARIOS

Side-by-side comparison of two retirement years. See the exact difference in pension, net income, and TSP balance between retiring now vs. working two more years — so you can make your decision with complete information.

PDF EXPORT

Generate a detailed retirement report and share it with your financial advisor, HR office, or family. Includes pension calculation, TSP projection, Social Security analysis, tax breakdown, and full timeline — generated entirely on your device.

YOUR PRIVACY IS ABSOLUTE

FedRetire uses data published by OPM, IRS, SSA, and CMS — all stored locally in the app. No account required. No internet connection needed. No personal information, financial data, or retirement details are ever transmitted to any server. Your data never leaves your phone.

The developer is not affiliated with the U.S. federal government, OPM, SSA, TSP, or any federal agency.