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.
Thirty-four interactive tools organized into six categories. Every calculator uses 2026 rates and official OPM tables. Start with the tool closest to your current question — each works independently.
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 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.
Calculate your projected FERS basic annuity — enter your high-3 salary, years of service, and retirement age. Includes the 1% vs. 1.1% multiplier and COLA projections.
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.
Find the best date to retire — maximizes annual leave lump-sum payout, avoids mid-month proration of your final annuity, and times your COLA eligibility. Tests every date in your eligibility window.
Enter your date of birth and service computation date — get your earliest eligibility dates for MRA+10, Early Voluntary (MRA+30), and Standard FERS retirement.
Plan your year-round leave strategy and your retirement cashout in one place — track accrual by pay period, avoid use-or-lose, and calculate the lump-sum payment you'll receive for unused annual leave at separation.
Enter your projected unused sick leave hours at retirement — see the additional months of creditable service and the dollar value added to your FERS or CSRS pension using the 2087-hour conversion.
Track your leave ceiling throughout the year. Enter your current balance and projected accrual — the tracker shows exactly how many hours you must use by the end of the leave year to avoid forfeiture.
Plan a combined leave strategy for new parents — stack PPL, sick leave, annual leave, and unpaid FMLA into a week-by-week schedule that maximizes your time off at full pay.
Enter your federal hire dates, military service, and any breaks in service — calculate your SCDs for leave, retirement, RIF retention, and TSP vesting.
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.
See the full dollar value of your federal compensation — salary, TSP match, FERS pension accrual, FEHB employer contribution, leave value, and FEGLI basic value combined.
Model the net financial impact of a lateral transfer or remote work designation — compare salary, cost of living, commute costs, and long-term pension impact across locations.
Plot your GS career path from current grade to target — with projected timelines for promotions, within-grade increases, and the salary growth curve at each step.
Model whether an early out offer is worth taking — compare the lump-sum buyout plus immediate annuity against the value of staying to your standard retirement date.
Enter your SCD — see exactly when you hit each service milestone (1, 3, 5, 10, 15, 20 years) and what benefits unlock at each. Countdown to your next milestone.
Complete 2026 GS pay tables for every one of the 53 locality areas plus the Rest of U.S. table. Searchable, sortable, and printable — the reference every federal employee needs bookmarked.
A decision-tree walkthrough of FERS retirement eligibility — MRA, MRA+10, MRA+30, Standard, Deferred — with the pros, cons, and reduction factors for each pathway clearly laid out.
Every benefits decision, form, and deadline a new federal hire needs to handle in the first 90 days — interactive, checkable, with links to each relevant guide and form.
A step-by-step Open Season worksheet — compare your current FEHB, FEDVIP, and FSAFEDS elections against alternatives, with cost calculators for each decision point.
The 12-month countdown to federal retirement — every benefit, form, election, and decision you need to make before your last day, organized by timeline.