FERS Planner independent estimates
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Pricing

Pricing built for one decision, not a subscription trap.

Most users only need to make this decision once. Decision Pass is one-time. Planner is for the people who want to revisit as salary or rules change.

Free

$0

Best for: Curious about a single date

  • Estimate range
  • Retirement path
  • Methodology
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No card required.

Decision Pass

Most popular

$29 one-time

Best for: Choosing your retirement date

  • Exact annuity
  • Now vs 60 vs 62 comparison
  • MRA+10 breakdown
  • Printable summary
  • 30 days saved access
  • Email summary
Get Decision Pass — $29

7-day money-back guarantee.

Planner

$14.99 / month or $129 / year (save 28%)

Best for: Federal employees 3+ years from retirement

  • Everything in Decision Pass
  • Save unlimited scenarios
  • Annual rule-change reminders
  • Retirement checklist
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Cancel anytime.

Why this is worth it

Federal benefits consultant: $300–500 per session
Retiring 1 year too early: often $30k–60k+ in lifetime annuity
FERS Planner Decision Pass: $29 once

Try Decision Pass risk-free.

If your comparison doesn't help you make a clearer decision, email us within 7 days for a full refund. No questions asked.

FAQ

How accurate are your estimates compared to my official OPM annuity statement?

FERS Planner is an educational estimate tool. It uses documented FERS rules and your inputs to help you compare dates, but your official agency and OPM records control your final annuity.

Why pay when OPM has a free calculator?

Official tools can help you get numbers. Decision Pass is built to help you compare dates, see reduction tradeoffs, and decide which retirement date deserves a closer look.

Do you store my SSN, DOB, or employee ID?

No. We do not ask for SSN, employee ID, or agency login credentials. The calculator uses dates, service history, and your high-three salary estimate.

What happens if FERS rules change after I buy?

Planner is designed for people who want to revisit assumptions as rules or timing change. Decision Pass is best for one retirement-date decision using the rules available at the time you run it.

Can I expense this through my agency?

Usually no. FERS Planner is a personal decision tool, like a tax prep app, not an agency procurement or official benefits service.

Do you sell financial products, insurance, or TSP advice?

No. FERS Planner is an independent estimate and planning tool. We do not sell financial products, insurance, or TSP advice.