Generic retirement calculators usually flatten everything into one number. This one shows when salary stops, when pension starts, when the FERS supplement ends, what taxes do to spending, and where withdrawals have to fill the gap.
Try the federal example first. The fastest way to judge the planner is to open the free version with a federal scenario already loaded.
- FERS supplement timing
- Pension COLA and step-downs
- TSP withdrawals and taxes
- Spouse timing and income gaps
No signup wall for the free preview. Start there, then move into the full planner if you want deeper editing.
Watch the exact years where salary stops, pension begins, and the supplement drops before Social Security starts.
Taxes, healthcare, and withdrawals stay visible so you can see the actual pressure on the plan.
Compare retiring at 57, 60, or 62 instead of guessing from a single summary number.
Federal-style controls for pension timing, supplement years, spouse coordination, and later pension changes.
You do not need to read the whole page before getting value. This is the fastest path.
Open the free federal example
Launch the web app with a federal case already loaded so you can see the planning flow immediately.
Check the handoff year
Look at the years when salary ends, pension starts, and the supplement ends before Social Security begins.
Run the projection
See whether taxes and withdrawals create a gap that a generic calculator would hide.
Move deeper only if you need it
If the preview proves the concept, use the full planner for more control and deeper editing.
The free app is the best first click. The full planner is the better second click.
FERS supplement timing
Model the temporary supplement before age 62 and see exactly what happens when it ends.
Pension COLA and later changes
Add COLA assumptions and later pension changes for offset-style or step-down scenarios.
TSP withdrawals inside the full plan
See pension, TSP, Social Security, and taxes interacting year by year instead of in isolation.
Spouse timing
Handle households where one spouse retires earlier, keeps working longer, or has a different income mix.
The point is not just to get a success score. The point is to see where the plan is smooth and where it is under pressure.
See how salary, pension, supplement income, taxes, healthcare, living expenses, and withdrawals fit together inside the plan.
When salary stops
See the transition from working years to pension years without losing the timing details.
When the supplement ends
Spot the drop-off years that often create the real spending gap before Social Security starts.
What taxes do to spending
Look at the take-home impact, not just gross income numbers that make the plan look cleaner than it is.
Whether withdrawals have to bridge the gap
See when the portfolio needs to step in and how much pressure that creates year by year.
Retire before 62 with the supplement
See pension plus temporary supplement income, then watch the gap when the supplement ends.
Pension with COLA and a later reduction
Start with one pension amount, apply COLA, then model a later offset or step-down event.
TSP plus spouse timing mismatch
One spouse retires first, one keeps earning, then both move into pension and Social Security later.
Does this handle the FERS annuity supplement?
Yes. You can model temporary supplement income with start and end timing, then see the drop-off year in the cash flow.
Can I model pension COLA and a later age-based change?
Yes. The planner supports pension COLA and later pension changes by year or age.
Can I use it with TSP, Social Security, and spouse income?
Yes. Pension income is modeled as part of the full retirement-income system, not as a standalone number.
Should I start in the free app or the full planner?
Start in the free app first. If the federal example matches the kind of problem you are solving, move to the full planner for deeper edits.
Questions? fbfinancialplanner@gmail.com