More About Our Software

The Leading Federal Retirement Calculator for Federal Employees

  • What Can Our Software Do For You?
    Our software allows Federal Employees the opportunity to calculate ALL of their federal benefits in one place. Now and throughout retirement. Having this information can help you prepare & plan for retirement more successfully.
  • What Are The Options?
    We offer the Personal Plus Edition for the Federal Employee (single use – date of birth is locked) as well as two Professional Editions for both Government Agencies and financial professionals who work with federal employees. All are a 1-year license and continuously updated to contain the latest calculations & regulations. You also have the choice of a desktop download to a single computer or a web-based edition that you can access from any computer with an internet connection.
  • Who Can Benefit From Using Our Program?
    In a nutshell, nearly every federal employee & federal agency and any financial professionals who work with federal employees. It has been tried and proven by tens of thousands of users in nearly every corner of the U.S. Federal Government. If you are (or work with) a regular, full-time CSRS, CSRS Offset, FERS, FERS Transfer, Postal Employees, Firefighter, Law Enforcement Officer (LEO) or Air Traffic Controller (ATC) this program is for you.

Compare Editions

Features Personal Plus Professional Enterprise
Estimate Retirements for:
CSRS
FERS (includes RAE & FRAE)
CSRS Offset
FERS Transfer
MRA +10
Regular (Voluntary)
Early Out - VERA (Optional)
Special Provisions (Mandatory)
Federal Employees
Postal Employees
Law Enforcement Officers
Firefighters
Air Traffic Controllers
Retirement Eligibility:
One-click earliest retirement date estimate
Creditable Service:
Calculate/estimate future creditable service time
Calculate/estimate sick leave service time
Military service time - option to recalculate SCD
High 3 Average :
Calculate/Estimate High 3 average at retirement
Option to manually enter High 3
Deposit/Redeposit:
Calculate/estimate deposit, costs & penalties
Calculate/estimate redeposit, costs & penalties
Survivor Benefits:
Calculate/estimate monthly & annual annuity
Survivor Benefit: election options, benefits & costs
Calculate/estimate accumulated costs of survivor benefit
Delayed Retirement (not Deferred):
Estimate delayed retirement annuities
COLA:
Calculate/Estimate COLA increases in retirement
FERS Supplement:
Calculate/Estimate FERS Supplement
Social Security:
Calculate/Estimate Social Security benefits
CSRS Offset:
Calculate/Estimate CSRS Offset annuity
Calculate/Estimate social security with COLA
Thrift Savings Plan:
Detailed entries for: Existing Savings, Contributions (including govt match & catch up), Rates of Return & Withdrawal Age
Detailed Estimates for Contributions, Growth (including compound interest) & Withdrawal
Detailed TSP Analysis Capabilities:
Compare affects of changing fund allocations
Examine long term growth impacts from compound interest
Explore multiple withdrawal options
TSP Withdrawal Options:
Lump Sum
Monthly Payments Options: Life Expectancy & Specific Dollar Amount
Annuity
Life Insurance:
Calculate/Estimate FEGLI benefits & costs: Basic, Options A, B & C
Health Insurance:
Calculate/Estimate FEHB costs - Monthly, Annually, Accumulative
Long Term Care Insurance:
Calculate/Estimate benefits & costs of FLTCIP
Outside Sources of Income:
TSP Rollovers, Pensions, Rental Property, Spousal Income, Jobs after Retirement, Other Taxable & Non-Taxable Income
Income Analysis:
Compare income from last 30 days of work vs first 30 days in retirement
Government Sources of Income:
Salary, Annuity, FERS Supplement, Social Security, TSP
Outside Sources of Expenses:
Living Expenses - Summarized or Itemized
Government Sources of Expenses:
Retirement Penalties, Survivor Benefit, FEGLI, FEHB, LTC, Taxes
Income & Expense Comparisons
Other Income & Expenses
Government Income & Expenses
All Income & Expenses
Reports:
50+ page Retirement Benefits Analysis Report (click here to view sample report)
Printing Capabilities
FEGLI Quick Print Button - print different FEGLI scenarios directly from FEGLI form
Cover Page Customization - Company Name, Agent Name & Information -
Custom Footers - Company Name, Agent Name & Agent Phone Number -
Custom Disclaimers -
Save user-defined report pages
Other Functionalities:
Fact Finder - all data required by the program, in the order it is entered -
Email client files between users of the software -
On-screen prompts to guide data entry
Data entry limited to one user (DOB entry) - -
Unlimited client file creation -
Web-based option available
Cloud data storage available
Assign & revoke user privileges - -
Maintain control of all assigned users data for quality control & client data retention - -
Administrative oversight of assigned users - -
  Learn More Learn More Contact Us

About Us

The first program version was developed in 1999 by a former civil servant who discovered that there were no “one-stop” retirement benefits resources for Federal Employees. The software was born out of a personal necessity and that led to the realization that others needed this information also.

As word spread, financial professionals, Federal Employees and Federal HR Departments began using the software. Along the way, many Federal Benefits Specialists and Certified Financial Planners have generously contributed their time and expertise in adding features and helped to make it what it is today.

Today, we carry on in the same vein – to serve the Federal Employee.

We believe we accomplish this by providing an accurate, one-stop resource where employees can educate themselves and financial professionals can educate their Federal Employee clients about their unique and complex retirement benefits. Hopefully, we can be one cog in the wheel of their financial literacy education and planning a successful retirement.

We wish all Federal Employees a happy & successful retirement!

Contact Us

Pricing & Plans

Features and pricing

  • Personal Plus - Web Edition

    • 12-month subscription – now with optional automatic renewal. Free updates provided throughout subscription period.

    Data files are encrypted and saved securely to your personal Google Drive account. FedRetireSoftware.com does not have access to your Google Drive account or personal information except what is provided by you at signup - please see our Privacy Policy for full details.

    Access your data from any computer or device with an internet connection.

    No need to purchase the activation protection service (APS) – a $4.99 value.

    $25 off renewals (must be renewed before your current subscription expires).

  • Purchase Yearly ($99.99)


  • Personal Plus - Desktop Edition

    • 12-month subscription – now with optional automatic renewal. Free updates provided throughout subscription period.

    Data files are encrypted and saved directly to your c: drive. FedRetireSoftware.com does not have access to your data or personal information except what is provided by you at signup - please see our Privacy Policy for full details.

    Desktop version is subject to a single user on a single computer license agreement between Fed Retire Software LLC and the purchaser.

    This version only compatible with Windows operating systems. If you’re a Mac user, please see our WEB edition.

    Desktop version does not work on most Microsoft Surface tablets and Google Chromebooks.

  • Purchase Yearly ($44.99) Activation Protection Service (APS)

  • Professional - Web Edition

    • 12-month subscription – now with optional automatic renewal OR all new monthly payment option with optional automatic renewal. Free updates provided throughout subscription period.

    Client files are encrypted and saved securely to your personal or company Google Drive account. FedRetireSoftware.com does not have access to your Google Drive account or personal information except what was provided by you at signup - please see our Privacy Policy for full details.

    Access your client files from any computer or device with an internet connection.

    Upload your own logo for report cover pages – a $99 value.

    No need to purchase the activation protection service (APS) – a $49 value.

    Eliminates the need to purchase an Additional Copy – a $149 value.

    $100 off renewals (must be renewed before your current subscription expires).

    Quantity discounts available – contact us for details.

  • Purchase Monthly ($65.00) Purchase Yearly ($629.00)


  • Professional - Desktop Edition

    • 12-month subscription – now with optional automatic renewal. Free updates provided throughout subscription period.

    Client files are encrypted and saved directly to your c: drive. FedRetireSoftware.com does not have access to your data or personal information except what is provided by you at signup - please see our Privacy Policy for full details.

    Desktop version is subject to a single user on a single computer license agreement between Fed Retire Software LLC and the purchaser.

    This version only compatible with Windows operating systems. If you’re a Mac user, please see our WEB edition.

    Desktop version does not work on most Microsoft Surface tablets and Google Chromebooks.

    $100 off renewals (must be renewed before your current subscription expires).

    Quantity discounts available – contact us for details.

  • Purchase Yearly ($549.00) Activation Protection Service (APS) Additional Copy ($149)

  • Enterprise Edition - Web Edition Only

    • We now offer the ultimate in user control for advisor groups. You now have the ability to assign, revoke & reassign user privileges at a company level while maintaining client data control.

    Client files are encrypted and saved securely to your company Google Drive account. FedRetireSoftware.com does not have access to your Google Drive account or personal information except what was provided by you at signup - please see our Privacy Policy for full details.

    Each user can only see client files that they’ve created; however, the administrator of the account can see and has access to all users files.

    Contact us for pricing.

  • Contact Us

Organizations

Here’s just a partial list of the organizations who have employees, managers or members using our software:

Federal Bureau of Prisons
Federal Emergency Management Agency (FEMA)
Federal Highway Administration
Federal Railroad Administration
Food and Drug Administration (FDA)
Forest Service
General Services Administration (GSA)
Internal Revenue Service (IRS)
Metropolitan Washington Airport Authority
National Active and Retired Federal Employees Assoc. (NARFE)
National Air Traffic Controllers Association
National Association of Government Employees
National Association of Letter Carriers (NALC)
National Cancer Institute
National Institutes of Health
National Park Service
National Rural Letter Carriers’ Association
National Transportation Safety Board
National Treasury Employees Union (NTEU)
National Weather Service
Naval Post Graduate School
NOAA
Office of Personnel Management (OPM)
Office of Thrift Supervision
Small Business Administration
Smithsonian Institute
Social Security Administration
United States Postal Service (USPS)
US Army
US Bankruptcy Court
US Border Patrol
US Coast Guard
US Courts
US Customs Office
US Department of Veteran Affairs (VA)
US District Courts
US Geological Survey (USGS)
US Immigration and Naturalization Service (INS)
US Marines
US Marshals Service
US Navy
US Pre-Trial Services Office
US Public Health Service
Veterans Administration
Western Area Power Administration (WAPA)

Testimonials

What our users are saying

I have used FEDRETIRESOFTWARE for the last several years and it has helped me to provide some of the most accurate retirement estimates for the federal employees that I work with. I highly recommend that you use this if you are working with Federal Employees and their benefits.

Brian Whitaker
Financial Advisor
Burlington, WI

I have been using the Federal Retirement Calculator for my consulting business for over 10 years. It is comprehensive, easy to work with and gives a very accurate idea for retirees to count on. I have had numerous clients say I came within just a few dollars of what their retirement amount was.

I am glad I found this product, it is very helpful to me when clients depend on an accurate number.

Adele Parker
Financial Advisor
Roy, UT

To succeed as a financial advisor, there are two requirements - a good market and a means to attract and service prospective clients. The Federal employee market is the best market that I have seen in my 40 years as an advisor. It has allowed me to be one of the top advisors at my brokerage for the past several years.

I could not have been as successful in this endeavor without the help of Fed Retire Software. It not only solidifies prospects as future clients, it also supplies a never ending trail of referrals, leaving me with the problem of not “who to see” but how to find the time to follow up with everyone asking for help.

Fed Retire Software has truly been the key to my success.

Lou Vaz
Financial Advisor
San Diego, CA

I'm very pleased about this software because even though I retired in September 2016, I find the overall planning and “what if” scenarios really helpful. I use the program as my long-term "living in retirement" planner. It’s simple enough to use but detailed enough that there is a real financial plan for my (and my husband's) retirement.

I have worked in the private sector and at several different federal agencies which is why I like this software especially. I can track my private sector sources, fed retirement and husband’s retirement. I think it’s a great planning and execution calculator.

Dawn L
Retired Federal Employee, DOL

I've been a customer for several years and have shared the link to your website with my fellow employees. I'm grateful for the detailed planning your software has provided and will be retiring this fall. The information in the detailed reports provided by the benefits calculator has been influential in setting my target retirement date.

John S
Federal Employee, DOJ

Just want to thank you for this product and support over the past several years. I have used the software adjusting dates and values, and developed a well-rounded retirement plan. I retired and received my final report from OPM and there was only a difference of $124 overall in the values between the program and what OPM states my monthly total annuity is (FERS). It was primarily the federal tax figures I had used in the program that caused the delta.

Great program and really a minimal investment for what it does. I have recommended the program to many prior to my retirement and hopefully they took that advice.

Tom B
Retired Federal Employee

Frequently Asked Questions

Our FAQ provides the quickest way to find answers to most of your general software questions. If you are unable to find what you are looking for, please send us a support request message.

I purchased a single copy of the Benefits Calculator. May I Install the program on more than one computer?

No. The program is licensed to a single user for use on a single computer. Install the program only on the computer that will be used to run the program

Does the program run on a network?

No. The program will only run on a stand-alone computer (e.g., desktop, laptop, notebook, etc.)

How do I get my activation codes?

Click here for Personal Plus and click here for Professional.

How do I move the program to a different computer?

You are entitled to do this at no cost. Please do not skip any steps in the procedure as we will not be able to reactivate your software until you have provided a confirmation of deactivation. Click here for the procedure.

How do I get program updates on the desktop edition?

The Benefits Calculator will notify you when a program update is available. Please note that you must choose to run the update, it will not be done automatically so you can choose a time that works best for you.

Does the desktop edition work on a Microsoft Surface Tablet or Google Chromebook?

Regarding Surface tablets, it will most likely not be compatible but it does work on a few older versions.

Regarding Google Chromebooks, it is not compatible with any Chromebooks.

Does the desktop edition work on a Windows 8 Tablet?

Yes – The CSRS-FERS Benefits Calculator and Retirement Analyzer runs on Windows 8 Tablets.

However it will not work on most Windows 8 RT Tablets. Tablets in this category currently include (but are not limited to):

* Microsoft Surface PRO (for more detail, please visit: https://support.microsoft.com/en-us/kb/2858199)
* Acer W700
* Acer Iconia W510
* HP ENVY x2
* Lenovo ThinkPad Tablet 2
* Dell XPS 12
* Samsung ATIV Smart PC

Note: Windows 8 Tablets run legacy Windows software (XP, Vista, and Windows 7). Most other tablets (Windows 8 RT) do not run Windows software

Does the desktop edition work on a MAC computer?

Our software will run on a MAC but only in a Windows OS inside a virtual environment (XP, Vista, Windows 7, 8 or 10). Some of our MAC customers reported running our software using the following Windows virtual environments.

Download Here:
VirtualBox
VMWare Fusion
Parallels

How do I Find Comprehensive Federal Retirement Guidance?

1. Use the Federal Employees Retirement Guide to plan your federal civil service retirement. This site helps Federal employees transition from an active employee to an informed and financially secure retiree.

2. Sign up for the FREE Federal Employee's Retirement Planning Newsletter. Dennis Damp is a retired federal manager and provides timely information related to retirement and your benefits.

Contact

Do you Have Any Questions?