FERS Pro: Pension Calculator

The smartest way to plan your federal retirement.

FERS Pro is the modern retirement calculator for federal employees, built by people who know the system — and kept up to date. Get accurate annuity estimates, model a VERA early-out, see every retirement income stream in one chart, and finally learn what military buyback is worth.

--- EVERY INCOME STREAM, ONE FORECAST ---

Your FERS annuity, TSP withdrawals, FERS Supplement, and Social Security — plus spouse Social Security, IRA and 401(k) withdrawals, rental income, dividends, and any other income — combined into one clean 50-year chart. Toggle estimated taxes to see net income, not just gross.

--- FACING A VERA OR RIF? ---

Model a Voluntary Early Retirement in seconds: age 50 with 20 years, or any age with 25. See your immediate annuity with no age penalty and when your FERS Supplement kicks in. Compare deferred vs postponed retirement — they are not the same, and FERS Pro calculates both correctly.

--- WHY FERS PRO ---

- Built right for special categories — Law Enforcement, Air Traffic Controllers, and Firefighters get correct age-50 / MRA-10 / 25-year retirement rules

- Military Buyback Analyzer — see exactly what buying back active-duty time costs and what it earns you back over your lifetime

- Sick Leave Converter — turn unused hours into creditable service (2,087 hrs = 1 year)

- TSP Withdrawal Planner — 4% rule, RMD, custom strategies, and your own rate-of-return assumptions

- FERS Annuity Supplement — finally calculated correctly

- Save & Compare Scenarios — what if I retire 2 years early? What if I take the VERA?

- Live Days-to-Retirement Countdown + Federal Holiday Calendar

--- PRIVACY-FIRST ---

We don't collect your salary, your service dates, or anything else. All calculations happen on your device. No accounts. No tracking.

--- PRO FEATURES ---

Free for your first 3 calculations. Upgrade for unlimited scenarios, military buyback, TSP modeling, income streams, the 50-year chart, and every Pro feature — yearly subscription or one-time lifetime purchase.

--- DISCLAIMER ---

FERS Pro provides estimates only (including tax estimates) and is not affiliated with OPM, TSP.gov, or the U.S. government. For official figures, contact your agency HR.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/