Retirement Income Calculator

Interactive Tool

What Will Your Savings Actually Pay You?

Here's the truth about retirement planning: the number that actually matters isn't your balance — it's the monthly income that balance can produce. This calculator translates your TSP savings into a sustainable monthly withdrawal, and adds your FERS pension and Social Security if you know them, so you can see your whole retirement paycheck in one place.

Your Numbers

Build Your Retirement Paycheck

Estimates are fine — you can adjust and re-run any time.

Your Retirement Paycheck

Estimated Monthly Income in Retirement

• The TSP offers both a life annuity and flexible installment payments — worth comparing before you decide how to draw down.
• Taxes still apply to traditional TSP withdrawals — plan your monthly budget on the after-tax number, not the gross.
• Sequence-of-returns risk — a market drop early in retirement — is exactly why retirees model conservative returns.

These figures are estimates for education only, not investment advice. Actual returns, taxes, and benefit amounts vary.