Start with your records
Use confirmed salary, service, balances or official pension forecasts.
PLAN YOUR NEXT CHAPTER
FERS pension planning.
A clearer retirement.
Understand your federal pension, compare retirement scenarios and explore planning tools for the US, Canada, UK and EU.
✓ No sign-up needed✓ Clear assumptions✓ Inputs stay in your browser
THE FERS STARTING POINTBase annuity estimate
What could your pension be?
Standard service only. Before age reductions and deductions.
Base gross monthly pension$2,177.08$26,125.00 per year · 1.1% factor · before reductions
This does not determine eligibility or your final payable amount. View the full FERS calculator and method →
EXPLORE YOUR MARKET
FIND YOUR STARTING POINT
Different pensions.
The same need for clarity.
Explore 12 focused calculators and planning tools. Each explains its assumptions and what it leaves out.
12 calculators shown.
FERS pension calculator
Estimate the standard basic annuity before age reductions, tax, insurance and survivor elections.
FERS retirement eligibility
Check standard age and service conditions at your planned separation date.
High-3 salary window calculator
Calculate a day-weighted salary average for a selected three-calendar-year window.
Retirement savings growth
Explore contributions, fees, inflation and time.
CPP claiming comparison
Compare age adjustments using your supplied age 65 monthly estimate.
Canada retirement income gap
Compare monthly spending with your own benefit forecasts.
RRSP growth calculator
Project an RRSP balance before withdrawal tax.
UK pension pot growth
Model gross contributions including employer additions and any tax relief.
UK pension drawdown
Explore a constant-return withdrawal scenario before tax.
UK retirement income gap
Compare pension forecasts with monthly spending in the same price basis.
EU pension income organizer
Combine up to three user-supplied national forecasts and their starting years.
EU private retirement savings
Model private savings in euros with editable contributions and assumptions.
UNDERSTAND THE NUMBERS
More than a number.
A useful starting point.
Our calculators explain their methods and exclusions. Benefit tools link to official rule sources; savings tools show the assumptions behind the scenario.
Read our methodology →Compare assumptions
Change one input at a time to see how contributions, dates or withdrawals affect a scenario.
Know the limits
Confirm decisions with your provider. Estimates do not guarantee benefits or investment returns.
PREPARE BEFORE YOU CALCULATE
Gather the basics.
Have your pension statement, expected retirement date, savings balance and a rough monthly budget nearby. Keep income and spending inputs in the same currency and price year.
For federal retirement, start with your selected high-3 salary window and standard age and service conditions. For CPP, start with an age-65 forecast before comparing claiming dates.
BEYOND RETIREMENT
Plan the other numbers
in your life.
Compare borrowing scenarios, explore investment growth and understand insurance costs using the documents and assumptions you supply.
READ UNDERSTAND COMPARE
From the blog.
FERS base pension vs take-home income: what your estimate leaves out
Use a worked FERS example to distinguish the base annuity from the amount available for a retirement budget.
Read the guide →CPP at 60, 65 or 70: compare the adjustment, not just the headline
Understand a CPP claiming-age comparison using a supplied age-65 forecast and consistent assumptions.
Read the guide →How long could your pension last? Read drawdown scenarios carefully
Learn how withdrawals, inflation and investment assumptions affect a pension drawdown illustration.
Read the guide →