Interactive calculators, planners, checklists, and comparison tools built specifically for the federal compensation system. No email required, no accounts to create — just the math, modeled honestly with 2026 data.
Seventeen interactive tools organized by what they answer. Every calculator uses 2026 rates and official OPM tables. Start with the tool closest to your current question — each works independently.
Eight guided stages. Your grade, step, and locality become a career-long pay path; the offer gets equity, bonus, and layoff risk; then the verdict adds what a salary comparison never shows — the present value of your FERS annuity, the supplement, and retiree FEHB — and walks you through how it got there.
The real rules, year by year: 2026 IRS limits, the 50+ and 60–63 catch-ups, the agency match, and the match you lose by hitting the limit early. Your actual fund mix gives a bad-decade / median / good-decade range, and the balance becomes after-tax monthly income next to FERS and Social Security.
Enter your grade, step, and locality area — get your exact base pay, locality pay, and total annual salary using the official 2026 OPM General Schedule pay tables.
Compare your salary across all 53 locality areas side by side. See what a lateral move, remote work designation, or transfer would do to your paycheck — in dollars.
Enter your current grade and step — see exactly when your next within-grade increase hits, how much it adds to your salary, and the full 10-step timeline to the top of your grade.
Model what your new salary will be after a promotion using OPM's two-step promotion rule. Enter current grade/step and target grade — get your exact new step and pay.
Calculate overtime pay, night differential, Sunday premium, and holiday pay at your specific grade, step, and locality rate — with the biweekly earnings cap built in.
Enter a private-sector offer and compare total compensation — salary, health insurance, retirement match, pension value, leave, and job security — dollar for dollar against your federal package.
See what actually lands in your bank account — gross pay minus federal tax withholding, FICA, FERS, TSP, FEHB, FEGLI, and state taxes. Configurable for every state and every filing status.
How much of your cash award or bonus you'll actually keep — the supplemental wage withholding rate, FICA impact, and why a $2,000 award only deposits around $1,300. Plan your tax strategy before the award hits.
Model a duty station move across any two locality areas. Shows the pay change, where the EX-IV cap flattens it, and whether the move lands inside your high-3 — where locality becomes an annuity decision.
Model your TSP balance at retirement — enter your current balance, contribution rate, expected returns, and years to retirement. Includes employer match and Roth vs. Traditional comparison.
Project your high-3 average based on your current pay, expected raises, and potential locality moves. The number that drives your FERS pension forever.
Enter your military pay history and federal retirement date — get the deposit amount, breakeven analysis, and the annual pension increase the buyback would produce.
For employees with non-deduction service, refunded contributions, or temporary appointments — calculate the deposit or redeposit amount, the interest accrued, and whether making the payment is worth it.
Estimate your FERS Annuity Supplement — the Social Security-equivalent benefit paid from retirement until age 62. Includes the earnings test that can reduce or eliminate it if you work after retiring.
Your exact per-pay-period contribution for any 2026 target — the $24,500 elective deferral, the $8,000 and $11,250 catch-up limits, or just the 5% that captures the full agency match.
Your basic annuity from high-3, service and age — including the 1.1% multiplier that needs both age 62 and 20 years, unused sick leave at 2,087 hours per year, and what a survivor election costs.
Your MRA by birth year and the first date you can go unreduced. MRA+30, 60+20, 62+5 — whichever arrives first. Sick leave is excluded on purpose, because it can never move the date.
Compare FEHB plans side-by-side — premiums, deductibles, out-of-pocket maximums, prescription coverage, and network type. Enter your expected medical spend and see the break-even math for each plan in your area.
Calculate your FEGLI Basic, Option A, Option B, and Option C coverage amounts and biweekly premiums. Compares the cost of FEGLI against equivalent private-sector term life coverage at your age.
Model the tax savings from Healthcare FSA, Dependent Care FSA, Limited Expense FSA, and HSA contributions at your marginal tax rate. See the use-or-lose risk and optimize your election amounts.
Special rate or locality rate — you get the higher of the two, never both. Enter your table figure and see which authority actually governs your pay.
$106,437 to $172,980 depending on step and locality. Every step, what each is worth, and why the EX-IV cap does not reach this grade.
$89,508 to $145,468, and for many careers the top of the ladder. Includes what a GS-13 promotion would pay under the two-step rule.
$80,897 to $131,476. Plus why a two-grade promotion from GS-9 usually lands you at step 1 and the steps you built disappear.
$66,862 to $108,663 — enough that a GS-9 in San Francisco out-earns a GS-11 in most of the country. Compare any two areas.
$54,662 to $88,842, with the TSP match modelled alongside. At this grade the promotion is the large lever and the step is the small one.