Your Guide to FERS, TSP & Military Retirement
Navigating federal and military retirement doesn't have to be complicated. Get free calculators, plain-English guides, and expert analysis — built by someone who lived the system for over 17 years.
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Use our free tools to estimate your retirement benefits under FERS, the military retirement system, and more. No account required.
Estimate your military retirement pay under BRS, High-3, or Final Pay systems. See how your years of service, base pay, and retirement date affect your monthly pension.
Calculate Military RetirementProject your Federal Employees Retirement System (FERS) pension. Factor in your high-3 salary, years of service, and retirement age for an accurate estimate.
Estimate FERS PensionFind out how much it costs to buy back prior military service to boost your federal civilian retirement. Calculate the deposit amount and long-term benefit.
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Federal employees hired before 1987 may be covered by the older Civil Service Retirement System. Learn the key differences and how each system calculates your pension benefit.
Maximize your Thrift Savings Plan contributions. We break down the 2024 elective deferral limit, agency match, and the catch-up contribution rules for those 50 and older.
The Survivor Benefit Plan protects your family after your death, but costs 6.5% of your base retirement pay. A detailed analysis of when SBP makes financial sense.
Federal Retirement Central is built and maintained by a retired U.S. Air Force officer with 17+ years of active duty service. After navigating the military-to-federal transition firsthand — including FERS enrollment, TSP optimization, service buyback, and SBP decisions — this site exists to share that hard-won knowledge with you.
All content is written from personal experience and thorough research. We don't sell financial products or provide personalized advice — just clear, accurate information so you can make informed decisions.
Meet the Author →We don't cover general personal finance. Every article, calculator, and guide is specifically tailored to FERS, TSP, military retirement, GS pay, and related federal benefits.
Every calculator and guide is free to use with no account required. Our site is supported by advertising, not paywalls or upsells.
Federal retirement rules are complicated. We translate OPM regulations, DoD policies, and TSP guidelines into plain language anyone can understand.
Disclaimer: Federal Retirement Central provides general educational information only. Nothing on this site constitutes financial, legal, or tax advice. Always consult a qualified professional before making retirement decisions. Calculator results are estimates only.