Free calculators for every
federal money decision.
36 live tools for pay, retirement, and benefits. All free, no signup, and built on official OPM, TSP and GSA data.
Available now
36 live calculatorsStart planning immediately — every tool runs free in your browser.
- GS Pay CalculatorPayCalculate 2026 GS salary by grade, step, and locality. Includes all 2026 locality areas, the Executive Level IV cap ($197,200), and what-if raise scenarios.Launch
- FERS Retirement CalculatorRetirementEstimate your FERS pension with the official formula: High-3 × years × 1%/1.1%. Includes survivor benefits, early-retirement penalties, and sick-leave credit.Launch
- Federal Severance Pay CalculatorSeparationEstimate severance for involuntary separation. Includes eligibility check, age adjustment, the 52-week cap, and tax-withholding estimates.Launch
- TSP Growth & Withdrawal CalculatorRetirementProject your TSP balance at retirement with 2026 limits ($24,500 + catch-up). Model the 4% rule, RMDs, and fixed withdrawals. Integrates FERS + Social Security.Launch
- FEHB Premium CalculatorBenefitsCompare 2026 FEHB plans side by side. See active vs retiree costs, filter 300+ plans by carrier and type, with government contribution limits.Launch
- Federal Leave OptimizerLeaveMaximize time off by placing leave around 2026 federal holidays — get 9+ days off using only 3 leave days. Tracks use-or-lose hours.Launch
- High-3 Salary CalculatorRetirementCalculate your highest 36 consecutive months of basic pay. Enter salary history to find the optimal High-3 period for your FERS pension.Launch
- VERA Eligibility CheckerSeparationCheck if you qualify for Voluntary Early Retirement Authority. Enter age and service years to test the 50/20 and any-age/25 requirements.Launch
- VERA / VSIP Decision CalculatorSeparationShould you take the buyout? Compare a VERA pension now vs. staying longer — with VSIP breakeven analysis, FEHB eligibility, and TSP penalty flags.Launch
- FERS Supplement CalculatorRetirementCalculate the FERS Special Retirement Supplement — the monthly bridge from retirement to age-62 Social Security. Includes the 2026 earnings test and a year-by-year breakdown.Launch
- Sick Leave Conversion CalculatorRetirementSee how much your unused sick leave adds to your FERS pension. FERS retirees get 100% credit since 2010 — uses the OPM 2,087-hour chart with lifetime dollar projections.Launch
- Military Buyback CalculatorRetirementCalculate the cost to buy back military service for FERS credit — the deposit (3% of base pay), the resulting pension increase, and your break-even year.Launch
- Buyout Decision QuizSeparationWeighing a DRP, VERA, VSIP, or deferred-resignation offer? Get a personalized read in two minutes across retirement eligibility, FEHB, TSP penalties, and RIF risk.Launch
- PSHB Medicare Part B CalculatorBenefitsFor USPS retirees: estimate your required Medicare Part B premium, Part D IRMAA surcharge, plan reimbursement offset, and net out-of-pocket Medicare cost for 2026.Launch
- Dependent Care FSA CalculatorBenefitsEstimate your 2026 FSAFEDS dependent-care FSA tax savings under the new $7,500 limit, with a DCFSA vs. Child Care Tax Credit comparison and 10-year value.Launch
- Federal Transit Benefit CalculatorBenefitsCalculate your tax-free transit subsidy (up to $340/month in 2026) and the gross-salary equivalent, with a parking-benefit and tax-bracket savings breakdown.Launch
- Federal Take-Home Pay CalculatorPayEstimate your biweekly net paycheck after FERS, FICA, TSP, FEHB, federal tax, and state withholding. Includes locality-specific versions for every 2026 pay area.Launch
- Federal Salary ExplorerPayBenchmark GS pay against agency and job-series averages using OPM EHRI data. Built for comparison and planning, not individual name lookup.Launch
- Federal Total Compensation CalculatorPayAdd up base salary, FERS pension accrual, TSP agency match, FEHB government subsidy, and leave value to estimate what your federal job is worth.Launch
- GS Promotion CalculatorPayApply the GS two-step promotion rule with 2026 locality pay and the Executive Level IV cap to estimate your new grade, step, and salary.Launch
- GS Step Increase CalculatorPayEstimate your next within-grade increase date, raise amount, and long-term step progression under the WGI waiting-period rules.Launch
- GS Step Negotiation CalculatorPayModel what a higher starting step can be worth over time when you have a realistic superior-qualifications or competing-offer basis.Launch
- Annual Leave Payout CalculatorLeaveEstimate the gross and net value of unused annual leave at separation, including supplemental withholding, FICA, and state-tax assumptions.Launch
- TSP Contribution CalculatorRetirementFind the per-pay-period contribution needed to max out TSP, capture the full agency match, and avoid front-loading match loss.Launch
- TSP Loan CalculatorRetirementEstimate TSP loan payments, payoff timing, and potential opportunity cost before borrowing from your retirement account.Launch
- TSP Roth Conversion CalculatorRetirementModel TSP Roth in-plan conversions against tax brackets, IRMAA thresholds, and retirement-income planning assumptions.Launch
- FERS Retirement Date OptimizerRetirementCompare future retirement dates for annuity start timing, leave-year boundaries, lump-sum annual leave, and paycheck tradeoffs.Launch
- TRICARE vs FEHB CalculatorBenefitsCompare TRICARE Prime, Select, or For Life against FEHB premiums and out-of-pocket assumptions for military retirees in federal jobs.Launch
- FEGLI CalculatorBenefitsEstimate FEGLI Basic, Option A, Option B, and Option C costs over time and compare Option B against private term-life coverage.Launch
- Veterans Preference CalculatorHiringCheck likely 0-point, 5-point, or 10-point veterans preference categories and see how preference interacts with federal hiring rules.Launch
- Military Pay CalculatorMilitaryEstimate regular military compensation with base pay, BAH, BAS, tax advantages, and annualized cash-flow assumptions.Launch
- Military to GS Pay TranslatorMilitaryTranslate military rank, years of service, and compensation into rough GS salary equivalents for civilian career planning.Launch
- Military Retirement Income DashboardMilitaryStack military retired pay, VA disability, SBP, and optional GS salary to estimate combined monthly and annual income.Launch
- SBP Cost/Benefit CalculatorMilitaryEstimate Survivor Benefit Plan premiums, survivor annuity, paid-up timing, and break-even tradeoffs against other coverage.Launch
- BRS vs High-3 CalculatorMilitaryCompare Blended Retirement System and legacy High-3 retirement outcomes, including DoD TSP contribution timing.Launch
- Reserve Retirement Points CalculatorMilitaryEstimate reserve retired pay from retirement points, good years, High-3/BRS multiplier assumptions, and reduced-age credit inputs.Launch
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