MRA range
55-57
Minimum retirement age depends on birth year.
Federal retirement
FERS, TSP, FEHB, and the rules civilians never have to learn.
Federal retirement is not one calculator. It is pension timing, TSP access, FEHB and Medicare, FEGLI, service credit, taxes, and the bridge years before Social Security.
Early-out shorthand
50+20
VERA can open at age 50 with 20 years when the agency has authority.
Deposit form
SF 3108
Civilian service-credit deposits have their own request path.
Read by federal decision
Start where the federal rule is already in your way.
Each cluster keeps the answer narrow, then points back to a tool when the numbers need to connect.
FERS timing
FERS retirement timing
MRA+10, postponed annuities, deferred annuities, VERA, VSIP, and the pension start date.
Supplement
FERS supplement
The FERS annuity supplement, work income, Social Security timing, and the bridge before age 62.
TSP
TSP decisions
TSP withdrawals, rollovers, the G Fund, Roth and traditional tax treatment, and retirement account access.
FEHB
FEHB and Medicare
Federal health coverage, Medicare timing, Part B costs, spouse coverage, and retiree coordination.
FEGLI
FEGLI and survivor coverage
Federal life insurance, survivor income, pension elections, and household coverage needs.
Buyback
Service credit and buyback
Military service deposits, civilian deposits, SF 3108 timing, and what added service changes.
Federal tools
Run the federal number, then bring it into the map.
These tools are quick checks. The full map is where pension income, TSP savings, health costs, state choice, and spending show up together.
2 min
FERS Pension Estimator
Project your federal annuity. High-3, multiplier, FERS Supplement, COLA, and survivor options included.
Open tool2 min
Federal Benefits Gap Analysis
McGregor framework: target vs. floor income, bridge vs. sustainability stages, and the Retirement Raise of deductions stopping.
Open tool2 min
TSP Savings Planner
See how a TSP balance, monthly spending, required withdrawals, and long-term timing work together.
Open tool2 min
FEHB + Medicare Coordinator
At 65: keep FEHB only, or layer in Medicare Part B and D? See lifetime cost across paths with Medicare surcharges included.
Open tool2 min
FEGLI coverage check
See how Basic, Option A, and Option B coverage can change after retirement and age 65.
Open tool2 min
Federal service buyback check
Estimate how bought service years can change a FERS pension and roughly when the deposit breaks even.
Open toolCarry it forward
See federal benefits inside the full map.
Bring FERS, TSP, health costs, state choice, and spending into one readable retirement map.