Now accepting early access signups

Your federal benefits are worth more than a guess.

Most federal employees make a $300K retirement decision based on a guess. You don't have to.

Free to join · No spam, ever.

Early access is limited. First release includes Retirement Timing and Military Buyback Analysis.

Join federal employees from across the government already on the waitlist.

✦OPM-based calculations (not estimates)
✦No ads. No data selling.
✦Built by a federal employee, exclusively for federal employees

The questions HR can't answer

The numbers OPM won't show you.

Your retirement is a one-time, irreversible decision worth hundreds of thousands of dollars. Yet most federal employees make it without ever seeing their actual numbers.

?

Can I retire at 57 instead of 62 — and what does that cost me monthly?

?

Should I buy back my military time — and when do I break even?

?

Do I qualify for the FERS Supplement — and what happens when it ends?

?

What does a promotion really do to my pension long-term?

What FedHorizon does

Your numbers. Your timeline. Your decision.

FedHorizon models your actual federal benefits system — pension, Supplement, TSP, and FEHB — so you can see the financial outcome of every major decision before you commit to it.

Not rules of thumb. Not generic calculators. Precise, OPM-sourced outputs built around your grade, your years, your timeline.

Enter your information once. FedHorizon runs every scenario and shows you exactly what each choice costs — or saves — over your lifetime.

Retirement timing scenario reportOPM formula engine v2.1
Diane Morales
GS-13 Step 8 · USDA · 28 yrs service · FERS · Age 57
Age 57 MRA
$3,180
/mo
Age 60
$3,785
/mo
Age 62
$4,632
/mo
Income breakdown · Age 57 scenario
FERS annuity (gross)$2,524 / mo
FERS Supplement$1,040 / mo
TSP drawdown (suggested)$620 / mo
High-3 salary$108,200
Sick leave credit+8 months
Break-even vs. Age 62Age 77
§1 FERS Annuity§2 Supplement§3 TSP Strategy§4 FEHB§5 Buyback§6 VERA§7 Social Security§8 Tax Impact§9 Survivor Benefit
Sample output. Actual results vary by individual inputs. Not financial advice.

Platform Modules

Model every major federal career decision.

At Launch

Retirement Timing Scenario Report

Compare retiring at 57, 60, or 62 with side-by-side pension and income projections. Includes survivor election, FEHB eligibility, and military buyback toggle.

At Launch

Military Buyback Analysis

Deposit amount, interest to date, payback period, and monthly annuity increase — modeled against your specific service record.

Phase 2

VERA / VSIP Decision Report

Compare take-the-offer vs. stay scenarios with pension and separation incentives modeled side-by-side. After-tax VSIP value, pension delta, and break-even analysis.

Phase 2

Private Sector Offer Comparison

Evaluate whether leaving federal service makes financial sense. Pension present value, FEHB replacement cost, TSP match delta, and salary growth modeled.

Phase 2

New Employee Onboarding Report

Understand your pension, TSP, FEHB, and long-term career value from day one.

Phase 2

FEHB Open Season Decision Tool

Compare plan options and annual cost tradeoffs during open season. Enter expected usage and see total annual cost per plan.

Phase 3

TSP Withdrawal Strategy Report

Optimize withdrawals in retirement while coordinating pension, TSP, and Social Security timing. Covers sequence-of-returns risk, RMD compliance, and Roth vs. traditional drawdown.

Phase 3

Advisor License Suite

White-labeled reports for fee-only planners and benefits consultants. Run full scenario reports for clients in minutes with a branded PDF delivery dashboard.

Early Access

Be first to know when FedHorizon launches.

Early access is limited. The first release includes Retirement Timing and Military Buyback — the two decisions that change everything about when and how you leave federal service.

Free to join · No spam, ever.