Know Your Retirement Estimate — Before You Retire
Most federal employees and veterans overestimate what retirement will actually feel like. FedVetRetirement shows your projected monthly income, where you're at risk, and what to fix — before you retire.
Most people miss this step — check yours in 5 minutes.
Joined by 1,400+ federal employees and veterans
- See your projected net monthly retirement income
- Identify gaps, hidden risks, and spouse impact
- Understand what to fix before retirement
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What you see inside — personalized to your numbers
Monthly Retirement Income
Projected Year 1 · Age 62
79% income replacement ratio
Retirement Score
Income Replacement
87%Survivor Income
$4,820Year-by-Year Income vs. Target
Bridge Gap: Years 3–6
Income falls $610/mo below target before Medicare & SS start
Survivor Protection: Strong
Full FERS survivor + VA DIC election secured
Sample — your projected numbers will differ based on your GS grade, years of service, VA rating, and retirement age
Try it now — no account needed
What's your estimated FERS pension?
Enter years of service to see estimate
Includes Social Security, VA benefits, taxes, healthcare, and gaps · Free to start
Most Federal Employees Retire Without Knowing Their Real Number
Small errors in timing, survivor decisions, healthcare planning, or OPM paperwork don't surface until after retirement — and by then, most can't be corrected.
Timing
Choosing the wrong Social Security claiming age or retirement date can reduce lifetime income by tens of thousands.
Survivor elections
An election made at retirement can't be undone. Getting it wrong leaves a spouse with far less than expected.
Healthcare costs
FEHB premiums, Medicare timing, and out-of-pocket costs are consistently underestimated in retirement projections.
OPM processing
Missing forms, incorrect records, or late submissions can delay or reduce your first retirement payment for months.
The compounding problem
A small monthly gap can turn into a major long-term problem.
A $1,200/month retirement income gap, left unaddressed for eight years, adds up to over $115,000 in cumulative shortfall — run your numbers below to see your actual figure.
You won't see these risks in basic calculators.
How FedVetRetirement works
A guided process built around federal and veteran retirement specifics — not generic financial planning advice.
Enter your federal and retirement details
GS grade, years of service, TSP balance, VA rating, Social Security age, and your spouse's situation. Takes about five minutes.
See your projected retirement paycheck
Your projected monthly net income: after pension, Social Security, VA compensation, FEHB, Medicare, and federal taxes. No guesswork.
Identify gaps, risks, and what to fix
Identify income gaps, survivor exposure, healthcare blind spots, and the specific decisions that most affect your long-term outcome.
What you'll see in minutes
Built specifically for FERS and CSRS pensions + VA disability + Social Security — not a general retirement tool adapted for federal employees.
Your First-Year Retirement Paycheck
A clear breakdown of gross income, deductions, taxes, and what actually arrives in your account each month — across pension, Social Security, VA compensation, and healthcare costs.
Your Risk Areas
Specific warnings flagged by your numbers: income gaps, survivor exposure, bridge-period shortfalls, healthcare underestimates, and decisions that need attention before you retire.
Your Next Best Moves
Ranked, prioritized actions based on your situation — not generic advice. What to address first, what's optional, and what could meaningfully change your retirement outcome.
Monthly Retirement Income
Projected Year 1 · Age 62
79% income replacement ratio
Exact projections use your actual service years, salary, and VA rating — not generic estimates.
What the full plan also shows you
Retirement Score
Strong plan · 2 areas need attention
Income Replacement
87%of pre-retirement salary
Survivor Income
$4,820spouse monthly total
Year-by-Year Income vs. Target
Bridge Gap: Years 3–6
Income falls $610/mo below target before Medicare and SS start
Survivor Protection: Strong
Full FERS survivor + VA DIC election secured
Sample — your numbers will differ based on your situation
Now imagine this with your actual numbers.
We Don't Just Show Options — We Show What Wins
Your plan includes a side-by-side comparison of multiple retirement strategies, including:
- Delaying retirement by 1–2 years to grow your pension
- Optimizing your Social Security claiming age
- Pre-funding the bridge period to reduce long-term risk
- Combining strategies for the highest lifetime outcome
Then we clearly identify your strongest path — and explain exactly why it wins.
FedVetRetirement helps you answer the questions that matter
Not what the government estimates your benefits to be — what you'll actually have to work with, and what to do about it.
What may actually hit my bank account each month?
Am I short, safe, or cutting it too close?
What happens to my spouse if I die first?
Would one more year of work materially improve my outcome?
What could delay or complicate my retirement process?
What should I do first?
Federal retirement decisions are permanent — get the clarity you need first
The decisions that cost federal employees most are often invisible until after retirement — when they can no longer be changed.
$50,000+
in lifetime Social Security left on the table from suboptimal claiming age
$100,000+
in income gaps over a 20-year retirement without a bridge plan
$0
survivor annuity for a spouse when the FERS survivor election is left at "none" — an irrevocable decision worth reviewing before retirement
The bottom line
This plan costs a fraction of that.
A few minutes of clarity now can protect decades of income later.
Built around the realities federal employees and veterans actually face
This is not a generic personal-finance app adapted for federal employees. Every calculation, warning, and recommendation is built around the specific rules, timing, and trade-offs of FERS, VA disability, and federal healthcare — because generic advice doesn't apply here.
Retirement timing
Exact date calculations for FERS eligibility, COLA timing, sick leave conversion, and OPM processing milestones.
Spouse protection
Full survivor benefit modeling across FERS, Social Security, and VA — including what each election costs and what it protects.
Healthcare pressure
FEHB plan analysis, Medicare Part B and IRMAA, CHAMPVA eligibility, and year-by-year premium projections into retirement.
Execution clarity
Forms tracking, document checklists, delay risk scanning, and a timeline of what needs to happen before your last day.
A retirement mistake costs far more than this plan
A single poor decision on Social Security timing, a survivor election, or healthcare enrollment can reduce lifetime income by tens of thousands. This costs a fraction of that.
Retirement Snapshot
See your numbers before you commit to a plan
Good for getting your first clear picture without any risk.
- Basic monthly paycheck estimate
- Retirement readiness score
- Key milestones and risk flags
- No credit card required
FedVet Pro
The complete federal retirement planning toolkit
For federal employees within 1–5 years of retirement who need clear answers and a plan they can act on.
- Everything in Snapshot
- Full income and gap analysis
- Social Security timing optimizer
- Bridge Strategy Engine with ranked decisions
- Healthcare cost projections
- Year-by-year retirement income view
- Risk scorecard with A–F grade
- Strategy Engine with 20+ strategies
- Downloadable PDF and Excel reports
Cancel anytime · No contract
Start free — no credit card required. Upgrade anytime.
Common questions
Know Before You Retire — Not After
Retirement is too important to guess through. See what your plan may really look like, where you may be exposed, and what to improve before the decisions become permanent.
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Federal Retirement Resources
Built using real federal retirement rules and benefit calculations.
FedVetRetirement provides educational financial projections only. Not financial, tax, or legal advice. Consult a qualified advisor before making retirement decisions.