FERS Retirement, TSP & Finance Tools
No-nonsense, easy-to-use financial tools for federal employees and service members.
Daily fund prices, YTD returns, and charts for all core & L funds.
See how any TSP allocation would have performed — model contributions, compare strategies, full metrics.
Plan withdrawals from one fund by pre-balancing your mix first.
Gross monthly FERS annuity + supplement, with sick leave and military buyback options.
Combine FERS + TSP withdrawals and see how retirement stacks up to your paycheck.
Convert unused sick leave into service credit for a more accurate retirement estimate.
Find out what your unused leave is worth when you separate.
Find out if the survivor benefit is worth the cost — with COLA and time-value math.
Model contributions and withdrawals with compounding over time.
See how extra payments cut years off your loan and save thousands in interest.
Retired? Withdraw smarter. Rates that adjust automatically as your balance and income change.
Compare two duty stations, see cap impacts, and include LEAP for LEOs.
FERS equivalent for Foreign Service — annuity and supplement estimation.
See how Foreign Service retirement income compares to your current pay.
If a pay date falls on a federal holiday, payment typically posts the prior Thursday.
Direct deposit may post 1–2 days early depending on your financial institution.
Important(ish) Disclaimer: ThriftyFeds.com is not, has never been, and will never be your agency, your HR office, or OPM. It’s run by a fellow FED who likes retirement and investment math and strong coffee. Everything here is for education and entertainment…think “helpful coworker with cool calculators.” Double-check with your actual agency, OPM, or TSP before making big money moves.
I’m also a federal employee and a bit of a financial nerd who loves to tinker. What started as a hobby with clunky Excel sheets grew into Google Sheets with live TSP data, and now into HTML calculators—tools that can be shared with everyone. From the FERS Estimator to the Retirement ‘Feels Like’ calculator and Locality Pay Comparison, this is just the beginning. Got feedback or an idea? Hit the contact link and help shape the next calculator that doesn’t suck.