Tools that show their work.

You have an offer in hand. The free comparison prices one year. This one prices the whole career — raises and step increases, TSP against 401(k), FEHB against the private premium, equity with vesting and a risk haircut, layoff exposure on both sides — then adds what a salary comparison never shows: the present value of your FERS annuity, the supplement, retiree FEHB, and the deferred annuity you keep if you leave.

• Tells you your FERS outcome (immediate, MRA+10, or deferred) before you enter the offer
• Verdict in today's dollars, after tax, with the pension in
• "How we got here" — nine steps, every number yours
• Save three offers side by side, print the report

Not a compound-interest calculator. Your grade, step, and locality become your pay path; the 2026 IRS limit, the 50+ catch-up, the 60–63 super catch-up, and the agency match are applied year by year — including the match you lose if you hit the limit early. Your actual fund mix produces a range of outcomes, not one line, and the balance becomes after-tax monthly income next to FERS and Social Security.

• Bad-decade / median / good-decade balance from 1,000 market paths
• Promotions, a career gap, a TSP loan — each priced
• First RMD at 73 or 75, and whether it forces your hand
• "Change one thing" table: the dollar value of each lever