# FedTools.com

> Free calculators and guides for federal employees. GS pay, FERS retirement, TSP, FEHB, leave planning, severance, and AI headshots.

## About FedTools

FedTools.com provides free, accurate financial tools for the 2+ million federal employees in the United States. Our calculators help with pay lookup, retirement planning, health insurance comparison, TSP projections, leave optimization, and severance estimation. We also offer FedShot, an AI-powered professional headshot generator designed for federal employees.

## Calculators

- [GS Pay Calculator](https://www.fedtools.com/calculators/gs-pay-calculator): Look up 2026 GS pay by grade, step, and locality area. Covers all 58 locality pay areas.
- [FERS Retirement Calculator](https://www.fedtools.com/calculators/fers-retirement-calculator): Estimate your FERS pension based on years of service, high-3 salary, and retirement age.
- [High-3 Salary Calculator](https://www.fedtools.com/calculators/high3-calculator): Calculate your highest 36 consecutive months of basic pay for the FERS pension formula.
- [TSP Calculator](https://www.fedtools.com/calculators/tsp-calculator): Project your Thrift Savings Plan balance at retirement with contribution and growth modeling.
- [FEHB Calculator](https://www.fedtools.com/calculators/fehb-calculator): Compare federal health insurance plan costs including premiums, deductibles, and out-of-pocket maximums.
- [Federal Leave Optimizer](https://www.fedtools.com/calculators/federal-leave-optimizer): Plan your annual and sick leave strategy to maximize days off and avoid use-or-lose forfeiture.
- [Severance Pay Calculator](https://www.fedtools.com/calculators/severance-calculator): Estimate federal severance pay for RIF, involuntary separation, or agency restructuring.
- [VERA Eligibility Checker](https://www.fedtools.com/calculators/vera-eligibility-checker): Check if you qualify for Voluntary Early Retirement Authority under current workforce reduction offers.
- [VERA/VSIP Decision Calculator](https://www.fedtools.com/calculators/vera-vsip-decision-calculator): Compare the financial impact of taking VERA/VSIP early retirement versus staying to your planned retirement date.

## Guides

- [GS Pay Guide 2026](https://www.fedtools.com/resources/gs-pay-guide-2026): Complete guide to the General Schedule pay system, locality pay, step increases, and within-grade increases.
- [FERS Retirement Guide](https://www.fedtools.com/resources/fers-retirement-guide): Full guide to FERS eligibility, pension formulas, MRA+10, early retirement, and survivor benefits.
- [TSP Guide 2026](https://www.fedtools.com/resources/tsp-guide-2026): Thrift Savings Plan contribution limits, fund options, Roth vs traditional, loans, and withdrawal rules.
- [FEHB Guide 2026](https://www.fedtools.com/resources/fehb-guide-2026): Federal health insurance plan comparison, open season guide, and premium breakdowns.
- [Severance Pay Guide](https://www.fedtools.com/resources/severance-pay-guide): Federal severance pay formulas, eligibility, and calculation methodology.
- [RIF Survival Guide 2026](https://www.fedtools.com/resources/rif-survival-guide-2026): Reduction in Force rights, retention standing, bump and retreat rules, and appeal options.
- [Military Buyback Guide](https://www.fedtools.com/resources/military-buyback-guide): How to credit military service toward your FERS pension, deposit calculations, and deadlines.

## FedShot AI

- [FedShot](https://www.fedtools.com/fedshot): AI-powered professional headshots for federal employees. PIV-ready, LinkedIn-ready, official portrait styling. $9.99 for 3 headshots, results in 60 seconds.

## Key Facts

- All calculators are free to use, no account required
- Data updated for 2026 (GS pay tables, TSP limits, FEHB premiums)
- Built for federal employees under FERS, GS pay system, and FEHB
- Content verified against OPM.gov, TSP.gov, and IRS.gov sources