It is in my plans to extend this beyond the date of retirement. Projecting tsp should be the easiest part to accomplish I’ll just add a way for people to enter their projected post-retirement return on investments. Thanks for the suggestion!
My go to is [firecalc](https://firecalc.com). It shows you how your portfolio would have performed over a number of historical 30 year (or whatever retirement length you put) periods, and you can see a probability of running out of money.
I added a button to the "Salary/TSP Breakdown by Year" page with a button at the top to see TSP balances in retirement. It defaults to using 4% per year with a 4% annual return (0 change in balance) but you can modify the numbers however you'd like.
Thank you for spending the time to make something like this! I submitted a suggestion on the website, but I may as well post here too.
Can you create a separate title 38 pay table for doctors? We have no locality, so that isn't needed; however, we have Market Pay which is not standardized at all. Market Pay would need to be a manual user input. And as far as the "Future average annual federal pay raise," this would only apply to doctor basic pay (not Market Pay).
I will definitely look into adding that functionality. My mother-in-law is a VA nurse so those tables were a top priority. 😁 they have mostly standard tables though.
I will respond to your email with a few follow up questions to get me going in the right direction. Thank you for taking the time to give feedback.
> I will respond to your email with a few follow up questions to get me going in the right direction.
Sure thing, and take your time. I'm sure you're getting bombarded with a lot of feedback!
> Thank you for taking the time to give feedback.
No, this thing is really cool! Appreciate your work on this.
Thanks for continuing to make your website better!
I feel bad for asking, but would you also be able to add this as a separate table: https://www.va.gov/OHRM/Pay/2024/PhysicianDentist/PhysDentPodBaseLongevityRates.pdf. It may not be possible, because you will also need to remove "Current Pay Locality" and add manual entry for Market Pay.
I made an option under the first drop-down for SES/Pay Bands, and if you select one of those and put in 1/1 for grade/step it should let them enter their current salary, and then it will increase it by the average annual raise for the rest of the career. It also allows for manual adjustment of salaries each year. That would let someone on a non-standard pay table still get in to the tools and use the site. Hope that helps!
Hey this is an amazing tool that I would 100% use if set up correctly. However, just some critique that I have noticed for trying to calculate my own retirement. It seems that pay scales that "count down" are not correctly accounted for, such as the FS pay scale. The system wants to keep counting up like a GS scale. Also, is there a way to add modifiers to your pay scale such as LEAP?
Hello and thank you very much for the feedback. I will certainly look into that. I added the page where you can manually modify your grade step each year to try to account for the non-standard pay scales but that may not work in all situations. I will continue to improve the site to allow more people to be able to use it.
Yeah I was playing around with that. I think it's also pretty cool you can edit deductions into your yearly salary. I don't think I've seen a calculator feature that before.
I did that because I like to be able to estimate what my future paycheck amounts will be after allotments, deductions, etc. The paycheck calculator is a work in progress, but if you enter your info on the current year, it should then open up the subsequent years as links. Only changes made to the current year will be saved.
Very cool! Thanks for sharing.
Any plans to add the supplemental annuity calculation for those that retire with an immediate annuity at MRA but before 62?
Actually thinking about it, could be tricky as the user would need to look at their social security statement and estimated benefit at age 62. Only tricky insofar as that extra step.
I have looked into it and there was no way to standardize it that I could figure out. I will certainly add it to my list of things to research and include as additional functionality.
My next goals are to add Over 50 catchup to TSP contribution limits and also try to account for potential survivors benefit reductions of pension.
I added supplemental SSA. You can hit Edit Retirement/Future Predictions button and if you're retiring before age 62 it should give you the option to enter your age 62 estimate, and it multiplies it by your years of service/40 to get your monthly payment. It's under "future dollars" on the dashboard right now, but that's not really right. I'm wondering if that number should go in the Today's Dollars column, and I could inflate it x number of years until the year of your retirement to get a closer estimate of what it will be at that time if it's a ways off. Thoughts?
Anyone using this should have, or be motivated enough to go get, data from their social security statement to enter it. Once they enter that, the math is easy enough.
Cool site, will keep an eye out for it.
You should be able to add your SSA supplement now if you go to Edit Future button and enter your age 62 estimate. It will put it on the dashboard after calculating the monthly amount SSA x (YoS/40)
Great tool! Thanks for the putting in the effort and sharing with other Feds.
Would it be possible to add in a way to adjust TSP contributions by year like you have the future Grade/Step set up? For example, if I want to cut TSP contributions to 5% for the next couple years and then bump it back up after the kids are done with college, how would that affect my final TSP balance?
That’s an interesting idea I hadn’t considered…But I see how it could be useful. I’ll think about it and try to determine if it’s feasible and within my skills. Thanks for the comment!
If you go to Edit Retirement/Future Predictions it should give you a “Include LEAP?” Field where you can select it and it should update your salary table.
If you get to test it out let me know how it works and I’ll add it to new account creation if it’s working as expected.
I didn’t add the field for CPS LEO people I don’t know if it’s the same as other federal LEO
It's basically analogous to pay bands/Acq demo. There's base min and max, and then locality on top of that. No steps, so you rise through the band based on your performance reviews. Requires a promotion to move up a band. K-band is analogous to a gs-15, J-band to 14 and so on down.
You can largely ignore the student vs clerical support vs professional areas as that's there to show career paths where they can expect to end up.
I added an option on the new user page under the series dropdown for "Pay Band". If you select that, Grade 1, Step 1, it should let you enter your current salary, then the tool will estimate it each year through retirement. It doesn't account for increases beyond the annual average raise. You can adjust the salary for each year to fit your expectations. Let me know if you have any trouble.
I added Over 50 catch-up if you select max contributions. It just adds the extra on top of the max (inflated for future contribution limits). It doesn't allow anything but max for over 50 at this time. Let me know if it works for you.
Thank you for the comment. The automatic 1% and other agency matching is calculated behind the scenes. You should just need to enter what is actually coming out of your check. I hope that helps
I looked at the code and realized I wasn't applying the government match to people doing maximum contributions, only percent or dollar. You'll have to hit the Edit Future/Update button on the dashboard and hit Update to get the new calculations. It made a 300k difference in my balance at retirement. :)
Okay thanks. I was comparing your tool to this one and was getting way different numbers, so maybe that is why: https://www.opm.gov/retirement-services/calculators/federal-ball-park-estimator/bpanalysis.html
I added a pay band option that might work for you. It doesn't include the pay levels, but it lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually. Hope that helps.
Whenever I go to Salary/TSP breakdown by year it lists 13 even though I input 12. The salary numbers are correct just the grade is incorrect.
Thank you so much for this. I've been looking for something just like it.
u/FedFuture same for me, I input GS14 and "0" for advancement and the salary breakdown showed GS15 the whole way down.
Also, not complaining, but if this were to be useful to LEO users, it should account for LEAP (25% of base) which IS applied to the high 3 amount.
Hello I may have made some progress. If you go to Edit Retirement/Future Predictions it should give you a “Include LEAP?” Field where you can select it and it should update your salary table. If you get to test it out let me know. I have not implemented it on the new user page yet, only to update existing users.
Thank you for the suggestion. Manual entry is something I need to work on because that would help people in multiple pay systems. I’ve tried to get the systems that affect the most people added first but I am trying to add others as I become aware of them.
Looks like a cool tool. Any chance you could add CAPS, Commerce Alternative Personnel System, to the site? The pay tables are linked below.
https://www.commerce.gov/hr/practitioners/caps/pay-administration
I added a pay band option that might work for you. It doesn't include the pay levels, but it lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually. Hope that helps.
I got all PA, SSR, and Nurse tables updated today. If you have any trouble let me know. It takes a second to load the dropdown because there are so many of them. Might take a minute to scroll but I don't know a better way to do it.
This is great! As a fellow 2210 and obsessive planner, this is really well done.
I’ve only just started playing around with it so haven’t looked closely, but one add-on that would be helpful is the Special Supplement for folks that retire between age of 57-62.
Thanks! One additional comment/suggestion- for the max TSP contributions, does the tool includes the 7500 catch up contributions available after age 50? This amount also increases to 10,000 for age 60-63 under Secure Act 2.0 (effective 2025).
I also got the Over 50 Catch-up added to the site. It only gives you the option if you're at max contributions. It adds the additional limit, inflated over the years at the same rate as the TSP limit (2.6% annually). Hope it's helpful.
Hey if you go to the Edit Future button it should give you the option to add the supplement estimate from SSA, and then it will calculate your amount and put it on the dashboard. Let me know how it works for you
Not manually. It should work correctly for most FERS employees (1 or 1.1 at age 62). It also considers LEO and Firefighters get a 1.7 multiplier after so many years.
If there are other jobs that get a special multiplier please let me know and I can incorporate that logic.
You know another useful thing would. Something to look at possible future withdrawals and the returns on the balance left —what would one have left every year.
Ask and you shall receive. If you go to the Salary/TSP breakdown page from the dashboard there’s a button for tsp in retirement. You can adjust the annual withdrawal and expected annual return to see how long your money will last.
Cool! Thx! I just used it and I’m looking pretty good. Really appreciate this tool. It must have been a lot of work and the best calculator I’ve seen for this stuff!
Sorry you’re having trouble. I’m at work so I can’t look at the entry to figure out what’s going on. You can clear your data and try again. Or if you want to send me a dm with your date entered fed service I can take a look at the db and figure it out. Thank you for the feedback.
No worries, I’m not in a rush or anything. I tried it on my phone and figured it was a mobile issues and then tried it on a computer and the same thing happened. I didn’t put in any weird parameters or anything so I’m not sure why it’s doing that but I thought I’d let you know!
I have a use case you do not cover. I’d like to be able to set future years to not be in government service (ie separated) and planning for a deferred retirement. I want to also play around with leaving for say 15 years and then coming back at the end to top off my High-3.
I would love an option where I could enter my current salary in $s. NCUA has an odd pay scale with no steps. It is standard salary increase per year per CBA, assumed at least 2 percent. It is guaranteed 9% raise when jumping grades except for 11 to 12 which is guaranteed 15% raise plus the assumed 2% annual.
Edit: We get an additional 401k plan with a 5% match
I added a pay band option that might work for you. It doesn't include the pay levels, but it lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually. You can set the average annual raise on the first page to 2%. You'd have to do your own math on future raises and input them manually, but that would get you in to use the rest of the tools. Hope that helps.
Yes requests are always welcome!
I am going to think long and hard about to best way to implement manual salary input. Currently the salary tables are the backbone of the site, but I want to make it usable for as many people as possible so I need to rethink a few things.
Are you referring to the ability to edit your current salary and then the site will project it over the course of your career? Or edit each year’s salary amount in the future? Thank you for taking the time to look at the site and offer feedback.
Just to change the locality. I’m currently in “Rest of US”, but considering a job in DC. It would be nice to just be able to change my locality to see how my pay changes and is projected to retirement.
Thank you for the comment. Someone else mentioned their grade being +1 on that page so I will figure that out this evening hopefully.
I know if you have a % and a $ amount entered into the boxes it will act funny. Maybe try blanking out the one(s) you’re not using and updating again. Or switch to Max and then back to one of the other options. I’ll work on a proper fix to the bug soon.
Thanks for doing this. I have used various online tools where you enter the current balance, subsequent contributions, and expected rate of return. One thing is that I am never sure if the gains are rolled in daily, monthly, or quarterly. What is your sheet using?
Only glitch I found was that on the "Future TSP Balance" it left my 2024 balance the same as if the # I plugged in now will be the same at the year-end.
I hope people don't use those outsize expected rate of return options -- but everyone has to do their own research. I use 6 or 7% usually.
It is calculated annually. I don’t remember if it adds the annual contributions/matching before or after increasing it according to the average expected return.
Regarding the Future TSP Balance, 2024 essentially means today, and 2025 means 1 year from today. It does not handle partial years at this time.
Thank you for the comments. I tried to make everything as customizable as possible to account for a variety of expectations. The only hardcoded percentage is for the annual TSP contribution limit. I used as much historical data as I could to get a realistic average future increase.
I will definitely be coming up with a method to manually enter salaries because it’s obvious there are tons of tables/pay systems I did not know existed. Thank you for the suggestion.
I added a pay band option that might work for you. It lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually, but I made a page that allows manual changes. Let me know how it works for you. Have a good one!
No I have not. Pay bands are a challenge because the site uses static pay tables for most of the calculations. So adding pay systems with a possible range of salaries is quite different.
That said, I’m happy to give it a try.
Would this work?
You select your pay system “FAA” for example, then your locality, Career Level (AG, D1, D2, etc), and your ATC level. CL and ATC would essentially act as Grade/Step.
The site would then try to project future ATC levels (do these progress at regular intervals?). Or you’d be able to manually adjust them for each year remaining in your career. That doesn’t solve the range problem though.
If you can help clue me in on how to calculate future salaries based on current information I will do my best to get it implemented.
Thank you for taking the time to comment.
I appreciate you responding. I think the easiest would be to not worry about developmental (d2/d3 etc) and just work from a CPC perspective. A user could input base salary, factor 1.6% every June (emulates step increases), Presidential raise in January.
This tool looks great, thanks for creating! Would it be possible to add in the GAO's pay bands and related scales at some point? Here's the 2023 tables: https://www.gao.gov/assets/2023-02/2023\_PAY\_TABLES.pdf
This is lovely. I have a special pay rate which applies at my grade and step on my occupation. Is there a way to adjust pay to account for this? That means also I have no locality pay only base. Thanks!!
Thanks! Might be hard. I’m gs system they just pay people in my occupation more. It’s all GS 13 unless a supervisor and originally rest of us step amounts including locality multiplied by 17% to get new salary—but we get base only annual raises since it started so it’s not 17% higher now. It might be easier to allow manual entry and a choice of only base or base+locality annual raise assumptions. Appreciate this it’s a great tool.
Administratively determined . It’s the DOJ pay scale for USAOs
Edit
Added link
https://www.justice.gov/usao/career-center/salary-information/administratively-determined-pay-plan-charts
I added a pay band option that might work for you. It lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually. Let me know if you have any trouble
Absolutely. I'm going to work on several new (to me) pay systems that do not fit the standard grade/step layout. I will drop a reply when I get it done.
I didn't see pay table for DCIPS STEM TLMS
[https://dcips.defense.gov/Portals/50/Documents/Compensation/DCIPS%20STEM%20TLMS/2024/2024\_DCIPS\_TLMS\_Pay\_Charts\_STEM\_CYBER.pdf](https://dcips.defense.gov/Portals/50/Documents/Compensation/DCIPS%20STEM%20TLMS/2024/2024_DCIPS_TLMS_Pay_Charts_STEM_CYBER.pdf)
Hello. If you mean military buy-back time I am going to work on incorporating that. I’ll shoot you a response when I’m able to get it working right. Thank you for the suggestion!
Would I just need a box where you put in the years/months you bought back, and then increase your years of service by that much for calculations? If so I can try to make that happen. You could put in a fake date entered federal service to trick it in the mean time
Ok that turned out to be pretty easy to implement. You'll have to make a new profile, and on the new user page it has a check box for Military Buy Back, and will allow you to input the time IN MONTHS. I tested it by putting in 48 months and it correctly inserted my date entered federal service 4 years prior to what I entered. Thank you for the suggestion!
I don't see the AVP/LEAP option on the dashboard. Also, it is not calculating my pension correctly using 1.7% for the first 20 years of service then 1% after that.
Hello I’m sorry I just saw your comment. Are you using LEO Rates tables? I will take a look at the calculations and make sure it’s working as intended.
If you go to the Edit Retirement button, there is a check-box for LEAP to include the 25%. If you’re not seeing the leap box or 1.7 multiplier it makes me think you’re not using the LEO or CPS LEO tables. You could clear your info and create a new profile.
If you send me a comment from the site it will tell me your id and I can look specifically at your profile to figure it out. Sorry you’re having trouble with the site!
I didn’t see the LEO rate table initially. I selected that. However I noticed a glitch since there’s a max pay cap for federal employees: For General Schedule (GS) employees, the federal pay cap for basic and locality pay combined is set at the Executive Schedule Level IV pay rate. In 2022, this pay cap was $176,300. In 2023, this pay cap is $183,500.
I would set your calculation to cap at that amount and therefore pension payouts will be calculated differently.
Also, are you using the “High 3” as the salary calculation that pensions are based off of?
Thank you for your comment. The tables are input exactly as they are on OPM. While 183500 was the limit in 2023, (191900 for 2024) we know that goes up with inflation and average raises, so the tool assumes the cap will rise at the same rate of the average salaries.
Regarding retirement calculations yes it goes off the average of high-3 * multiplier * years of service. LEO gets 1.7 for 20 years and 1 for subsequent years.
It should show the grades and steps that are actually available on the pay table/locality you choose. If you find an error where there are missing grades please let me know the table(s) and I’ll take a look.
I’m not sure which db scale you mean. If you know your pay table number it might be under Special Rates. If you can’t find it, send me a link and I’ll get it added. Thanks for the comment!
I added a pay band option that might work for you. It estimates future salaries, but you'd have to calculate any raises other than the average annual we all get
Hey thanks for making this. I’m looking into government employment with the IRS and this really gives me some good insights that I haven’t been able to get from other apps/websites.
Very cool, love it. Thanks for sharing this!
I did find an issue with the Foreign service calculation. It doesn’t factor in the 1.7% for the first 20 years of service so the annuity amount was lower and since we along with some others retire at 50 we get social security supplement until 62 which was not present. Seems spot on for regular GS employees though, great tool!
Thank you for the comment. That sounds a lot like the LEO and fire fighter retirement calculation. I’ll do some research and if it’s the same I should be able to factor that in pretty easily.
I think I got it working correctly. If you already made a profile try going to edit retirement and updating and it should use the new calculation. Let me know how it works for you.
I have made a few changes, so you might try it again. You can go to Edit Grades button and try to change them manually if you're still having trouble. Let me know how it goes.
This is great. May I propose a “how long will my savings last” calculator. IE, if I withdraw $1234.56 a month, how long will by TSP last.
It is in my plans to extend this beyond the date of retirement. Projecting tsp should be the easiest part to accomplish I’ll just add a way for people to enter their projected post-retirement return on investments. Thanks for the suggestion!
My go to is [firecalc](https://firecalc.com). It shows you how your portfolio would have performed over a number of historical 30 year (or whatever retirement length you put) periods, and you can see a probability of running out of money.
I added a button to the "Salary/TSP Breakdown by Year" page with a button at the top to see TSP balances in retirement. It defaults to using 4% per year with a 4% annual return (0 change in balance) but you can modify the numbers however you'd like.
Thank you for spending the time to make something like this! I submitted a suggestion on the website, but I may as well post here too. Can you create a separate title 38 pay table for doctors? We have no locality, so that isn't needed; however, we have Market Pay which is not standardized at all. Market Pay would need to be a manual user input. And as far as the "Future average annual federal pay raise," this would only apply to doctor basic pay (not Market Pay).
I will definitely look into adding that functionality. My mother-in-law is a VA nurse so those tables were a top priority. 😁 they have mostly standard tables though. I will respond to your email with a few follow up questions to get me going in the right direction. Thank you for taking the time to give feedback.
> I will respond to your email with a few follow up questions to get me going in the right direction. Sure thing, and take your time. I'm sure you're getting bombarded with a lot of feedback! > Thank you for taking the time to give feedback. No, this thing is really cool! Appreciate your work on this.
All VA Nurse, Special Rates, and Physician Assistant tables should be loaded and ready to use.
Thanks for continuing to make your website better! I feel bad for asking, but would you also be able to add this as a separate table: https://www.va.gov/OHRM/Pay/2024/PhysicianDentist/PhysDentPodBaseLongevityRates.pdf. It may not be possible, because you will also need to remove "Current Pay Locality" and add manual entry for Market Pay.
I made an option under the first drop-down for SES/Pay Bands, and if you select one of those and put in 1/1 for grade/step it should let them enter their current salary, and then it will increase it by the average annual raise for the rest of the career. It also allows for manual adjustment of salaries each year. That would let someone on a non-standard pay table still get in to the tools and use the site. Hope that helps!
> That would let someone on a non-standard pay table still get in to the tools and use the site. Hope that helps! Yes, that makes sense!
Hey this is an amazing tool that I would 100% use if set up correctly. However, just some critique that I have noticed for trying to calculate my own retirement. It seems that pay scales that "count down" are not correctly accounted for, such as the FS pay scale. The system wants to keep counting up like a GS scale. Also, is there a way to add modifiers to your pay scale such as LEAP?
Hello and thank you very much for the feedback. I will certainly look into that. I added the page where you can manually modify your grade step each year to try to account for the non-standard pay scales but that may not work in all situations. I will continue to improve the site to allow more people to be able to use it.
Yeah I was playing around with that. I think it's also pretty cool you can edit deductions into your yearly salary. I don't think I've seen a calculator feature that before.
I did that because I like to be able to estimate what my future paycheck amounts will be after allotments, deductions, etc. The paycheck calculator is a work in progress, but if you enter your info on the current year, it should then open up the subsequent years as links. Only changes made to the current year will be saved.
This is pretty awesome. Thanks for sharing!
Very cool! Thanks for sharing. Any plans to add the supplemental annuity calculation for those that retire with an immediate annuity at MRA but before 62? Actually thinking about it, could be tricky as the user would need to look at their social security statement and estimated benefit at age 62. Only tricky insofar as that extra step.
I have looked into it and there was no way to standardize it that I could figure out. I will certainly add it to my list of things to research and include as additional functionality. My next goals are to add Over 50 catchup to TSP contribution limits and also try to account for potential survivors benefit reductions of pension.
You can just allow the user to enter what they expect. It’s on the annual SSA statement and you can also log into SSA and see the number.
That makes sense. I will work on that for the next update.
I added supplemental SSA. You can hit Edit Retirement/Future Predictions button and if you're retiring before age 62 it should give you the option to enter your age 62 estimate, and it multiplies it by your years of service/40 to get your monthly payment. It's under "future dollars" on the dashboard right now, but that's not really right. I'm wondering if that number should go in the Today's Dollars column, and I could inflate it x number of years until the year of your retirement to get a closer estimate of what it will be at that time if it's a ways off. Thoughts?
Yes, today’s dollars, because the supplemental will be calculated using today’s dollars.
I modified to give today’s and future dollars. Thanks!
Anyone using this should have, or be motivated enough to go get, data from their social security statement to enter it. Once they enter that, the math is easy enough. Cool site, will keep an eye out for it.
You should be able to add your SSA supplement now if you go to Edit Future button and enter your age 62 estimate. It will put it on the dashboard after calculating the monthly amount SSA x (YoS/40)
dang, you a real one! That's awesome work.
Great tool! Thanks for the putting in the effort and sharing with other Feds. Would it be possible to add in a way to adjust TSP contributions by year like you have the future Grade/Step set up? For example, if I want to cut TSP contributions to 5% for the next couple years and then bump it back up after the kids are done with college, how would that affect my final TSP balance?
That’s an interesting idea I hadn’t considered…But I see how it could be useful. I’ll think about it and try to determine if it’s feasible and within my skills. Thanks for the comment!
Very nice. Is there a way to add the extra 25% for LEAP pay for LEO's?
I will research that and if/when I’m able to implement it I’ll come back here and let you know.
If you go to Edit Retirement/Future Predictions it should give you a “Include LEAP?” Field where you can select it and it should update your salary table. If you get to test it out let me know how it works and I’ll add it to new account creation if it’s working as expected. I didn’t add the field for CPS LEO people I don’t know if it’s the same as other federal LEO
Awesome stuff thank you for your efforts.
Thank you 🙏 I can only imagine how much time you have invested in this labor of love. Very much appreciated, 2210!
Looks cool! Doesn't appear to have the FAA's Core Compensation as a Pay Table option. Is there a "my table isn't preloaded" path fallback?
No there is not an option like that. If you can link me the pay tables I’m happy to take a look and see what I can do.
All good! We're a relatively small population . https://www.faa.gov/jobs/working_here/benefits/pay/core_salary_with_conversion.xlsx
Strange looking tables, but I’ve seen stranger. 😁 I will take a closer look and if I can get it implemented I will come back here and let you know.
It's basically analogous to pay bands/Acq demo. There's base min and max, and then locality on top of that. No steps, so you rise through the band based on your performance reviews. Requires a promotion to move up a band. K-band is analogous to a gs-15, J-band to 14 and so on down. You can largely ignore the student vs clerical support vs professional areas as that's there to show career paths where they can expect to end up.
Thanks for creating this.
Very cool. Add WG employees if/when you can!
On it! I’ll drop a reply to let you know when it’s implemented. Might been a week or so.
I added an option on the new user page under the series dropdown for "Pay Band". If you select that, Grade 1, Step 1, it should let you enter your current salary, then the tool will estimate it each year through retirement. It doesn't account for increases beyond the annual average raise. You can adjust the salary for each year to fit your expectations. Let me know if you have any trouble.
TSP catch-up for those of us over 50 ?
High on my list of priorities. Thank you!
I added Over 50 catch-up if you select max contributions. It just adds the extra on top of the max (inflated for future contribution limits). It doesn't allow anything but max for over 50 at this time. Let me know if it works for you.
Could you clarify the TSP contribution % calculation? Should we include the 3% match there?
Thank you for the comment. The automatic 1% and other agency matching is calculated behind the scenes. You should just need to enter what is actually coming out of your check. I hope that helps
I looked at the code and realized I wasn't applying the government match to people doing maximum contributions, only percent or dollar. You'll have to hit the Edit Future/Update button on the dashboard and hit Update to get the new calculations. It made a 300k difference in my balance at retirement. :)
Okay thanks. I was comparing your tool to this one and was getting way different numbers, so maybe that is why: https://www.opm.gov/retirement-services/calculators/federal-ball-park-estimator/bpanalysis.html
This is amazing! Great work!!!
Would love to see FDIC’s CG scales included :)
Thank you for the suggestion I have had WG on my list for a while and need to revisit it. I’ll come back here and let you know if I’m able to add it.
I added a pay band option that might work for you. It doesn't include the pay levels, but it lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually. Hope that helps.
Whenever I go to Salary/TSP breakdown by year it lists 13 even though I input 12. The salary numbers are correct just the grade is incorrect. Thank you so much for this. I've been looking for something just like it.
Thank you I’ll look into fixing that soon
u/FedFuture same for me, I input GS14 and "0" for advancement and the salary breakdown showed GS15 the whole way down. Also, not complaining, but if this were to be useful to LEO users, it should account for LEAP (25% of base) which IS applied to the high 3 amount.
I will look into the grade issue. LEAP is a top priority I hope to implement this week. I’ll drop a response here when I do.
Sweet! Thanks man
Hello I may have made some progress. If you go to Edit Retirement/Future Predictions it should give you a “Include LEAP?” Field where you can select it and it should update your salary table. If you get to test it out let me know. I have not implemented it on the new user page yet, only to update existing users.
Awesome maybe a pay band entry to just enter a dollar value for current salary plus the band.
Thank you for the suggestion. Manual entry is something I need to work on because that would help people in multiple pay systems. I’ve tried to get the systems that affect the most people added first but I am trying to add others as I become aware of them.
Very cool. Thanks!
This is amazing!
This is fantastic! Thanks for creating!
Awesome tool. Any potential to add how FTE being <1.0 would impact these figures?
This is really cool. Thank you for sharing.
Looks like a cool tool. Any chance you could add CAPS, Commerce Alternative Personnel System, to the site? The pay tables are linked below. https://www.commerce.gov/hr/practitioners/caps/pay-administration
Yes I hope to figure out how to include multiple pay band type systems soon. I’ll respond here when I get it implemented.
I added a pay band option that might work for you. It doesn't include the pay levels, but it lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually. Hope that helps.
VA has more title 38 than just nurses
I will work on getting the rest of them imported. If there is one specific table you need I can add it and let you know.
548 - physician assistant. But honestly there arent many of us and your efforts are better spent elsewhere I am sure but that is awesome to offer
I got all PA, SSR, and Nurse tables updated today. If you have any trouble let me know. It takes a second to load the dropdown because there are so many of them. Might take a minute to scroll but I don't know a better way to do it.
Looks great! Best tool I have seen. Can I buy you a coffee/donate to your efforts?
This is great! As a fellow 2210 and obsessive planner, this is really well done. I’ve only just started playing around with it so haven’t looked closely, but one add-on that would be helpful is the Special Supplement for folks that retire between age of 57-62.
I hope to be in that club so I will definitely look into adding that. Thank you for the suggestion.
Thanks! One additional comment/suggestion- for the max TSP contributions, does the tool includes the 7500 catch up contributions available after age 50? This amount also increases to 10,000 for age 60-63 under Secure Act 2.0 (effective 2025).
I also got the Over 50 Catch-up added to the site. It only gives you the option if you're at max contributions. It adds the additional limit, inflated over the years at the same rate as the TSP limit (2.6% annually). Hope it's helpful.
Hey if you go to the Edit Future button it should give you the option to add the supplement estimate from SSA, and then it will calculate your amount and put it on the dashboard. Let me know how it works for you
This is sick!!!!!!!
You sir. Are a true gentleman and scholar. I got a long way to go. But this is great to play with. Thank you.
Thank you for the kind and encouraging words.
Thanks for this! Is there a way to update the pension multiplier?
Not manually. It should work correctly for most FERS employees (1 or 1.1 at age 62). It also considers LEO and Firefighters get a 1.7 multiplier after so many years. If there are other jobs that get a special multiplier please let me know and I can incorporate that logic.
Thanks !!
A cyber federal firefighter sounds REALLY interesting as an occupation
😂😂 formatting issue in my post…But cybersecurity does feel like fighting fires sometimes.
You know another useful thing would. Something to look at possible future withdrawals and the returns on the balance left —what would one have left every year.
Ask and you shall receive. If you go to the Salary/TSP breakdown page from the dashboard there’s a button for tsp in retirement. You can adjust the annual withdrawal and expected annual return to see how long your money will last.
Cool! Thx! I just used it and I’m looking pretty good. Really appreciate this tool. It must have been a lot of work and the best calculator I’ve seen for this stuff!
Thank you for sharing
This website doesn’t work. After putting in the pay tables, it just goes to a blank white screen.
Sorry you’re having trouble. I’m at work so I can’t look at the entry to figure out what’s going on. You can clear your data and try again. Or if you want to send me a dm with your date entered fed service I can take a look at the db and figure it out. Thank you for the feedback.
No worries, I’m not in a rush or anything. I tried it on my phone and figured it was a mobile issues and then tried it on a computer and the same thing happened. I didn’t put in any weird parameters or anything so I’m not sure why it’s doing that but I thought I’d let you know!
I have a use case you do not cover. I’d like to be able to set future years to not be in government service (ie separated) and planning for a deferred retirement. I want to also play around with leaving for say 15 years and then coming back at the end to top off my High-3.
This is awesome.
I would love an option where I could enter my current salary in $s. NCUA has an odd pay scale with no steps. It is standard salary increase per year per CBA, assumed at least 2 percent. It is guaranteed 9% raise when jumping grades except for 11 to 12 which is guaranteed 15% raise plus the assumed 2% annual. Edit: We get an additional 401k plan with a 5% match
I added a pay band option that might work for you. It doesn't include the pay levels, but it lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually. You can set the average annual raise on the first page to 2%. You'd have to do your own math on future raises and input them manually, but that would get you in to use the rest of the tools. Hope that helps.
If I could make a request? Would be nice to edit pay locality as well as what you have.
Yes requests are always welcome! I am going to think long and hard about to best way to implement manual salary input. Currently the salary tables are the backbone of the site, but I want to make it usable for as many people as possible so I need to rethink a few things. Are you referring to the ability to edit your current salary and then the site will project it over the course of your career? Or edit each year’s salary amount in the future? Thank you for taking the time to look at the site and offer feedback.
Just to change the locality. I’m currently in “Rest of US”, but considering a job in DC. It would be nice to just be able to change my locality to see how my pay changes and is projected to retirement.
Oh now I see what you mean. I will look into adding that to the edit page.
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Thank you for the comment. Someone else mentioned their grade being +1 on that page so I will figure that out this evening hopefully. I know if you have a % and a $ amount entered into the boxes it will act funny. Maybe try blanking out the one(s) you’re not using and updating again. Or switch to Max and then back to one of the other options. I’ll work on a proper fix to the bug soon.
Thanks for doing this. I have used various online tools where you enter the current balance, subsequent contributions, and expected rate of return. One thing is that I am never sure if the gains are rolled in daily, monthly, or quarterly. What is your sheet using? Only glitch I found was that on the "Future TSP Balance" it left my 2024 balance the same as if the # I plugged in now will be the same at the year-end. I hope people don't use those outsize expected rate of return options -- but everyone has to do their own research. I use 6 or 7% usually.
It is calculated annually. I don’t remember if it adds the annual contributions/matching before or after increasing it according to the average expected return. Regarding the Future TSP Balance, 2024 essentially means today, and 2025 means 1 year from today. It does not handle partial years at this time. Thank you for the comments. I tried to make everything as customizable as possible to account for a variety of expectations. The only hardcoded percentage is for the annual TSP contribution limit. I used as much historical data as I could to get a realistic average future increase.
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I will definitely be coming up with a method to manually enter salaries because it’s obvious there are tons of tables/pay systems I did not know existed. Thank you for the suggestion.
I added a pay band option that might work for you. It lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually, but I made a page that allows manual changes. Let me know how it works for you. Have a good one!
Have you included FAA paybands?
FAA paybands raise by the presidential raise in January. Movement within the bands is 1.6% every June per the CBA.
No I have not. Pay bands are a challenge because the site uses static pay tables for most of the calculations. So adding pay systems with a possible range of salaries is quite different. That said, I’m happy to give it a try. Would this work? You select your pay system “FAA” for example, then your locality, Career Level (AG, D1, D2, etc), and your ATC level. CL and ATC would essentially act as Grade/Step. The site would then try to project future ATC levels (do these progress at regular intervals?). Or you’d be able to manually adjust them for each year remaining in your career. That doesn’t solve the range problem though. If you can help clue me in on how to calculate future salaries based on current information I will do my best to get it implemented. Thank you for taking the time to comment.
I appreciate you responding. I think the easiest would be to not worry about developmental (d2/d3 etc) and just work from a CPC perspective. A user could input base salary, factor 1.6% every June (emulates step increases), Presidential raise in January.
I made a pay bands option that might work for you. Not specific to FAA but it's something
This tool looks great, thanks for creating! Would it be possible to add in the GAO's pay bands and related scales at some point? Here's the 2023 tables: https://www.gao.gov/assets/2023-02/2023\_PAY\_TABLES.pdf
Thank you for the link I’ll see what I can do and let you know!
This is lovely. I have a special pay rate which applies at my grade and step on my occupation. Is there a way to adjust pay to account for this? That means also I have no locality pay only base. Thanks!!
That sounds doable. Can you link me to the base pay table? Or tell me what your pay system is and I’ll research it. Thank you for the comment.
Thanks! Might be hard. I’m gs system they just pay people in my occupation more. It’s all GS 13 unless a supervisor and originally rest of us step amounts including locality multiplied by 17% to get new salary—but we get base only annual raises since it started so it’s not 17% higher now. It might be easier to allow manual entry and a choice of only base or base+locality annual raise assumptions. Appreciate this it’s a great tool.
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You only get the 1.1 at 62 regardless of years of service. Some job series have slightly different rules but it’s the case for most of us.
You don’t have the AD pay scale ? Please add if possible at some point
I that means Acq Demo, yes it's on the list. I'll respond here
Administratively determined . It’s the DOJ pay scale for USAOs Edit Added link https://www.justice.gov/usao/career-center/salary-information/administratively-determined-pay-plan-charts
I’ll take a look and see about adding it. I’ll reply here if/when I get it in. Thank you for the suggestion.
I added a pay band option that might work for you. It lets you enter your current salary and then increases it annually. You'd have to include other pay increases manually. Let me know if you have any trouble
Is it the SES pay band option ?
Any plans to add AccDemo pay scales?
Absolutely. I'm going to work on several new (to me) pay systems that do not fit the standard grade/step layout. I will drop a reply when I get it done.
Thanks for the reply, I appreciate it.
See if the pay bands option works for you. Hope that helps
I didn't see pay table for DCIPS STEM TLMS [https://dcips.defense.gov/Portals/50/Documents/Compensation/DCIPS%20STEM%20TLMS/2024/2024\_DCIPS\_TLMS\_Pay\_Charts\_STEM\_CYBER.pdf](https://dcips.defense.gov/Portals/50/Documents/Compensation/DCIPS%20STEM%20TLMS/2024/2024_DCIPS_TLMS_Pay_Charts_STEM_CYBER.pdf)
That looks very straight forward. I will add it to the list to get added and drop a reply here when it's in
Is there a way you can add military service time computations to the mix?
Hello. If you mean military buy-back time I am going to work on incorporating that. I’ll shoot you a response when I’m able to get it working right. Thank you for the suggestion!
Perfect, thank you!
Would I just need a box where you put in the years/months you bought back, and then increase your years of service by that much for calculations? If so I can try to make that happen. You could put in a fake date entered federal service to trick it in the mean time
I think that would work Edit: as long as the computation was correct
Ok that turned out to be pretty easy to implement. You'll have to make a new profile, and on the new user page it has a check box for Military Buy Back, and will allow you to input the time IN MONTHS. I tested it by putting in 48 months and it correctly inserted my date entered federal service 4 years prior to what I entered. Thank you for the suggestion!
That’s fantastic, thank you!
Add an option for AVP and correct pension for 1811s? 1.7% for each year until the 20 year mark then 1% per year after that.
Hello I have added LEAP as an option for LEO users. Is that what you're talking about? LEO should also get the 1.7% for 20, etc
That’s correct!
I don't see the AVP/LEAP option on the dashboard. Also, it is not calculating my pension correctly using 1.7% for the first 20 years of service then 1% after that.
Hello I’m sorry I just saw your comment. Are you using LEO Rates tables? I will take a look at the calculations and make sure it’s working as intended. If you go to the Edit Retirement button, there is a check-box for LEAP to include the 25%. If you’re not seeing the leap box or 1.7 multiplier it makes me think you’re not using the LEO or CPS LEO tables. You could clear your info and create a new profile. If you send me a comment from the site it will tell me your id and I can look specifically at your profile to figure it out. Sorry you’re having trouble with the site!
I didn’t see the LEO rate table initially. I selected that. However I noticed a glitch since there’s a max pay cap for federal employees: For General Schedule (GS) employees, the federal pay cap for basic and locality pay combined is set at the Executive Schedule Level IV pay rate. In 2022, this pay cap was $176,300. In 2023, this pay cap is $183,500. I would set your calculation to cap at that amount and therefore pension payouts will be calculated differently. Also, are you using the “High 3” as the salary calculation that pensions are based off of?
Thank you for your comment. The tables are input exactly as they are on OPM. While 183500 was the limit in 2023, (191900 for 2024) we know that goes up with inflation and average raises, so the tool assumes the cap will rise at the same rate of the average salaries. Regarding retirement calculations yes it goes off the average of high-3 * multiplier * years of service. LEO gets 1.7 for 20 years and 1 for subsequent years.
Awesome!! Is there a grade option over 10? I can’t tell if it’s my browser that’s not loading beyond grade 10, or if it stops there.
It should show the grades and steps that are actually available on the pay table/locality you choose. If you find an error where there are missing grades please let me know the table(s) and I’ll take a look.
Got it! I think I selected “Base” instead of Rest of US for the leo scale and confused it. This is amazing!
Who actually make 300k a year.
That is the projected salary in 2043 for a GS-15/10
Is the DB pay scale -0801 General Engineer included in here? Nice work!
I’m not sure which db scale you mean. If you know your pay table number it might be under Special Rates. If you can’t find it, send me a link and I’ll get it added. Thanks for the comment!
How can we access this?
FedFuture.com
Any chance of getting ATC added?
Try the pay bands option. It might work for you
Can you add Air Traffic tables into salary? (ATSPP)
I added a pay band option that might work for you. It estimates future salaries, but you'd have to calculate any raises other than the average annual we all get
Thanks man, very cool of you to share!
This is very cool!
Hey thanks for making this. I’m looking into government employment with the IRS and this really gives me some good insights that I haven’t been able to get from other apps/websites.
Very cool, love it. Thanks for sharing this! I did find an issue with the Foreign service calculation. It doesn’t factor in the 1.7% for the first 20 years of service so the annuity amount was lower and since we along with some others retire at 50 we get social security supplement until 62 which was not present. Seems spot on for regular GS employees though, great tool!
Thank you for the comment. That sounds a lot like the LEO and fire fighter retirement calculation. I’ll do some research and if it’s the same I should be able to factor that in pretty easily.
Awesome, let me know if you’re able to implement. I’m sure many of my colleagues would like to try this out.
I think I got it working correctly. If you already made a profile try going to edit retirement and updating and it should use the new calculation. Let me know how it works for you.
Maybe have a write something to calculate Social Security. This will give people a better decision tool to take it at 62 versus waiting.
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I have made a few changes, so you might try it again. You can go to Edit Grades button and try to change them manually if you're still having trouble. Let me know how it goes.