Retirement Tools for Federal Employees
See your Estimated federal retirement
– in minutes
Your personalized FERS estimate, free.
Change one number and watch your future change before your eyes.
Know Your 5 Retirement Benefits
There are 5 benefits federal employees receive when they retire, click below to learn more!
FERS Pension
The Federal Employees Retirement System (FERS) is a three-part retirement plan for government workers. It includes a guaranteed pension (Basic Benefit), Social Security, and a Thrift Savings Plan (TSP), which acts like a 401(k). You must work for the federal government for at least five years to get a pension.
Thrift Savings Plan
A Thrift Savings Plan (TSP) is a tax-advantaged retirement savings and investment plan designed for federal civil service employees and uniformed service members, acting much like a civilian 401(k). It allows participants to build long-term wealth through payroll deductions, tax-deferred or Roth contributions, and potential government matching.
Social Security
Social Security benefits provide vital income for retirees, survivors, and individuals with disabilities. Eligibility and payout amounts rely on your lifetime earnings, your age when you claim, and your work credits (typically needing at least 10 years of work).
Health Insurance
FERS (Federal Employees Retirement System) employees receive health insurance through the Federal Employees Health Benefits (FEHB) Program. The government pays 72-75% of your insurance cost, and you pay the rest from your paycheck using pre-tax money. You can take this benefit into retirement if you meet specific rules.
Life Insurance
Under the Federal Employees Retirement System (FERS), your life insurance is provided through the Federal Employees’ Group Life Insurance (FEGLI) Program. New employees are automatically enrolled in Basic coverage. The government pays one-third of the premium, while you pay two-thirds.
Built on OPM and FERS rules
The same formulas you’ll retire under.
Safe, Secure Storage
No SSN required
Federal Benefits Specialists
Specially trained experts to help you.
Education First
Start free, upgrade when you’re ready
Why FERS 101?
You earned the benefits. Now, make the most of them.
Current model: You take time off for a general class, then get steered toward a sales meeting – or you call HR, sit on hold, and hear “we’re not allowed to advise on that”. There is a better way.
The old way
- Attend a free workshop
- Get general information that isn’t about your situation
- Sit through a “free analysis” that’s really a sales screen
- Walk away still unsure if you have the right answer
With FERS 101
- Open your personal estimate – free, in minutes
- Adjust your age, TSP, or salary and watch it update live
- Enjoy quick and easy-to-follow articles and videos
- Talk to a specialist only when you are ready
What you get
Your whole retirement picture, in one place
One complete Dashboard
FERS annuity, TSP, Social Security, the supplement – combined into one clear projection.
Adjust and See Instantly
Change your retirement age or contributions and watch every number move in real time.
Simple answers and free downloads
Concise videos and guides on the questions you have – available anytime day or night.
Experts when you are ready
Book a federal benefits specialist for the complex stuff.
Membership Pricing
Start free. Upgrade only if you want more.
A full year of answers from experts for less than the cost of a single hour with a financial advisor. Get complete answers and expert advise.
Explore
$0
Best for DIY
See your numbers and get started – no card required.
Expert Assist
$120/yr
Best for Mid-Career
The full picture – every benefit, every scenario, all year.
- Everything in Explore, plus:
- TSP, Social Security supplement
- Save & compare scenarios
- Full video and guide library
- Downloadable benefits report
Maximize
$250/yr
Best for Close to Retirement
For complex situations, with a specialist in your corner.
- Everything in Expert Assist, plus
- Survivor, buyback, and disability scenarios
- Annual review check-in
- Priority support
- Retirement income plan
- Social Security analysis
When you want a human
A specialist who knows the federal system – one click away
Most people get everything they need right here. However, if you feel “stuck” and would like to share your situation with a specialists, we’re ready!
