For FERS employees and retirees

Your whole federal retirement, every year of it.

Enter your service, pay and TSP once. AskFERS finds your retirement dates, projects your pension, FERS Supplement, Social Security and TSP from today to age 95, and shows what the TSP funds have actually done since 1988.

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Free. Answers are general education, built on official FERS and TSP rules.

01 / PLANYour retirement datesMRA+30, 60/20, 62, MRA+10, special provisions. The exact month each one opens and what it pays. 02 / RESULTSEvery year to 95Pension, supplement, Social Security, TSP withdrawals, COLAs, RMDs and FEHB, year by year. 03 / TSP FUNDSWhat the funds really didG, F, C, S and I returns for every year since 1988. Test any mix against history. 04 / ASKAsk in plain EnglishQuestions about FERS, TSP, FEHB, FEGLI and Social Security, answered with your numbers.

AskFERS is an independent educational tool. It is not affiliated with, endorsed by, or sponsored by OPM, the Federal Retirement Thrift Investment Board, the Social Security Administration, or any federal agency. Estimates are not a guarantee; your agency and OPM determine your actual benefits.

My plan

Your federal retirement in 60 seconds

Answer a few questions and your plan builds as you type. No name, email or phone needed.

Where are you today?

Department or agency

Date of birth

Birth month Birth year

Or just your age

When you started federal service

Start month Start year

Your service computation date (SF-50, box 31) if you know it.

Or years of service

Age you want to retireLeave blank and we use your earliest full pension.

Current annual salary ($)Base pay plus locality. No overtime.

TSP balance today ($)Traditional and Roth together.

Fine-tune your plan (optional)

Law enforcement, firefighter, air traffic controller, or other special-provisions position I plan to take an early out (VERA) or have been offered one

Unused sick leave (hours)Adds to the pension. 2,087 hours = 1 year.

Expected raises (% a year)

Survivor benefit

FEHB premium in retirement ($/month)

Of your TSP, the Roth part ($)

You contribute (% of pay)

Share going to Roth (%)

Social Security at 62 ($/month)From ssa.gov. Leave blank and we estimate it.

Years worked outside government

Age you'll claim Social Security

Income you want ($/month, today's dollars)Leave blank for 80% of your High-3.

How you'll use the TSP

Job earnings after you retire ($/year)Until 62. Over $24,480 reduces the supplement.

Inflation (% a year)

Average tax rate (%)Blank shows everything before tax.

Plan to age

Your fund mix

Move to a conservative mix (50% G) when I retire

Assumed TSP return

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Your situation

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Results

Your retirement, year by year

Fill in your age, start date and salary under My plan, or tell AskFERS in the chat, to see your retirement year by year.

Your bottom line

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Your retirement dates

The first month you qualify under each FERS rule, and the monthly pension it pays at that point (before tax, after any survivor election).

Rule	First month	Age	Service	Pension / mo	Supplement

Monthly income by age

FERS pension FERS Supplement Social Security TSP withdrawals Job earnings Shortfall

TSP balance: your projection and what history says could happen

Your projection Middle 80% of historical replays Best and worst start year

Good to know

Every year

Today's dollars, per year

Age	Year	Salary	TSP added	Pension	Supplement	Social Sec.	Earnings	TSP out	FEHB	Total income	Goal	Short	TSP balance

Want a second set of eyes on this?Talk it through with a federal retirement specialist. Bring your SF-50 and a TSP statement. It's free.

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TSP funds

What the TSP funds have actually done

Every calendar-year return from tsp.gov. Build a mix and see how it would have grown, its best and worst years, and how often it lost money. History shows what could happen; it does not promise what will.

Try a mix

Rebalanced once a year.

Start yearS and I Funds started in 2001. Before 2002, the C Fund stands in for them.

Starting amount ($)

Growth

Year by year

Calendar-year returns. Green is a gain, red a loss. Your mix is the last column.

Year	G	F	C	S	I	Your mix

The funds

Fund	What it holds	Since 2002 (a year)	Best year	Worst year	Losing years

AskFERS questions and answers

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AskFERS™

FERS, TSP, FEHB, FEGLI, Social Security, military buybacks, survivor benefits. Answers use the plan you built, and every question and answer goes into your report. Print or save them any time.

My report

Your free AskFERS retirement report

A PDF of your whole plan, ready to save, print or bring to a meeting.

What's inside

Your plan at a glance
Your retirement dates
Pension, supplement and Social Security
Monthly income by age chart
TSP projection and historical range
Your fund mix against history
Every year to age 95
What to watch
Your questions and answers
Assumptions and next steps

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First name

Email

Phone

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