Federal Employee Money
FERS retirement, TSP growth, GS pay tables with every locality, the FERS supplement, high-3, sick-leave credit, and military buyback — every federal-employee money question answered with calculators built on verified OPM and TSP figures.
FERS Retirement Calculator
Estimate your FERS annuity from your high-3 average salary, creditable service years, and retirement age. Applies the 1% multiplier, the 1.1% multiplier at age 62 with 20+ years, your minimum retirement age by birth year, and the MRA+10 early-retirement reduction — with every step of the math shown.
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TSP Calculator
Project your Thrift Savings Plan balance to retirement. Models your contributions, the 1% automatic agency contribution, the full match tiers (100% of the first 3%, 50% of the next 2%), annual contribution and catch-up limits from the verified IRS/TSP figures, and compound growth year by year.
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TSP Loan Calculator
Estimate the payment on a TSP general-purpose or residential loan, see total interest — which you pay back into your own account at the G Fund rate — and understand the repayment term rules and what happens to an outstanding loan when you separate from federal service.
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GS Pay Calculator
Look up 2026 General Schedule pay for any grade, step, and locality. Returns the exact annual and hourly figures from the official OPM tables — base pay plus your locality percentage — for all 15 grades, 10 steps, and 58 locality areas including Rest of U.S.
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GS Pay Scale 2026 — Base & Locality Tables
The complete 2026 General Schedule pay scale: the base table for all 15 grades and 10 steps, plus a dedicated page for each of the 58 locality pay areas with its exact percentage and full adjusted table, transcribed directly from the official OPM XML tables and verified.
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FERS Supplement Calculator
Estimate your FERS annuity supplement — the bridge payment for federal employees who retire before 62. Uses the OPM estimating formula (your age-62 Social Security benefit × FERS service ÷ 40), applies the annual earnings test, and shows exactly why the supplement ends at age 62.
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High-3 Salary Calculator
Compute your high-3 average salary — the highest-paid 36 consecutive months of your federal career — the exact figure your FERS annuity is based on. Enter your salary history periods and get the properly weighted average, with the math shown month by month.
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Sick Leave Conversion Calculator
Convert your unused sick leave hours into extra FERS service credit using OPM's 2,087-hour rule. See the added months and days of creditable service your sick leave balance buys, and roughly what that extra service is worth in annual annuity dollars.
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Military Buyback for Federal Employees
How the military service credit deposit ("buyback") works for FERS employees: what the deposit costs (generally 3% of military basic pay plus interest after the grace period), how bought-back years raise your FERS annuity, and how to start the process with DFAS and your HR office.
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