Chris & Amy — Federal Retirement Planner

As of 2026 · Adjust inputs on the left to model scenarios

People

Chris current age

Amy current age

Target retirement year

Current Assets

TSP / 401(k) balance ($)

Cash savings ($)

Current Income (annual)

Chris GS-15 salary ($)

Amy GS-12 salary ($)

Chris USAF pension ($)

Chris VA disability ($, tax-free)

GS Service & Pensions

Chris GS years at retirement

Amy GS years at retirement

Social Security (monthly at FRA)

Chris estimated SS benefit ($)

Amy estimated SS benefit ($)

Chris SS claiming age

Amy SS claiming age

Retirement Expenses (annual)

Annual living expenses ($)

Healthcare premium ($/mo total)

Assumptions

TSP annual growth rate

6.5%

Annual inflation rate

2.5%

Annual TSP contributions (total, $)

FERS COLA (pension inflation adj)

2.0%

Plan to age

90

TSP / Portfolio Balance Over Time

Retirement Income by Source

Annual Income vs. Expenses

Estimates only. FERS pension = 1.0% × years × high-3 salary (1.1% if retiring at 62+ with 20+ years). Military pension and VA disability assumed to continue with annual COLA. Social Security adjusted for early/late claiming (+8%/yr past FRA, −6.67%/yr before FRA). TSP balance shown in today's dollars (inflation-adjusted). FERS Special Retirement Supplement not modeled. Consult a financial advisor for formal planning.