1.1% bonus at 62: Retiring at age 62 with 20+ years gives you a 1.1% multiplier instead of 1.0% — a permanent 10% increase worth thousands per year. The 2026 TSP elective deferral limit is $23,500 ($31,000 with catch-up age 50–59; $34,750 for ages 60–63).
🏅 Other Income & Deductions
Add any additional income sources and select the deductions that apply in retirement.
$
Leave blank to use our estimate, or enter your exact benefit from ssa.gov/myaccount
VA disability is 100% tax-free and excluded from income tax calculations. Your estimated Social Security benefit is auto-calculated from your salary and years of service if left blank.
Step 1 of 2
✅ Your Retirement Projection
$0
Estimated Monthly Take-Home Income
Annual equivalent: $0
FERS Pension (Guaranteed for Life)
$0
$0/year
Formula applied to your inputs
TSP Withdrawal Income
$0
$0/year
Projected TSP × withdrawal rate
Social Security
$0
$0/year
Adjusted for claiming age
VA / Military / Other
$0
$0/year
VA disability, military retirement, rental, other
📉 Estimated Monthly Deductions
Income Breakdown
Monthly gross by source
Gross vs. Net
Before and after deductions
TSP Balance Projection to Retirement
Projected growth based on your current balance, monthly contributions, and fund strategy
📊 Retirement Income at Key Milestones
Age
Phase
Pension
Soc. Security
TSP
Other
Gross/Mo
Est. Net
Want the Full Strategy?
Read FERS, TSP, and Social Security guides at Warrior Retirement.
⚕ Warrior Retirement · 2026 Complete Guide Federal Employee Guide to FERS Disability Retirement and SSDI in 2026 Two separate programs. Different rules, different standards, different calculations — but they interact in ways that can maximize or reduce your total income. This is the complete guide federal employees need before a crisis strikes. 18 mo Min. service to qualify 60% High-3 in Year 1 40% High-3 from Year 2 Age 62 Converts to regular FERS 65–75% OPM approval rate 📅 April 2026 ⏱ 20 min read 🛡 Warrior Retirement 📌 FERS · SSDI · FEHB · OPM · SF-3112 ⚡ Quick Answer FERS disability retirement requires 18 months of federal service and pays 60% of your High-3 in year one (minus 100% of SSDI), then 40% of High-3 from year two through age 62 (minus 60% of SSDI). At age 62, it converts to a regular FERS annuity calculated as if you worked until 62. You must also apply for SSDI — this i...
🛡 Warrior Retirement · 2026 Complete Navigation Guide How to Navigate the Federal Disability Retirement Application All the Way to Approval Most federal employees who qualify for FERS disability retirement never receive it — not because they don't deserve it, but because they didn't know how to apply, what to document, or how to fight back when denied. This guide changes that. Full Application Process Medical Documentation OPM Review Strategy Denial & Appeals MSPB Victory 📅 April 2026 ⏱ 22 min read 🛡 Warrior Retirement 📌 FERS · OPM · SF-3112 · MSPB ⚡ Quick Answer The FERS disability retirement application has eight stages : notify your agency → gather medical evidence → file SF-3112 package → agency certification → OPM review → interim pay → final decision → benefits begin. If denied, you have the right to OPM Reconsideration (30 days), then a Merit Systems Protection Board ...
⚠️ Warrior Retirement · Problem Solver Series FERS Retirement Application Problems : 18 Real Issues and How to Fix Every One OPM processes over 100,000 FERS retirements per year. A significant percentage have errors — wrong pension amounts, service credit mistakes, FEHB cancellations, survivor benefit disputes. This guide names them, explains why they happen, and tells you exactly how to fix them. 60–180 Days avg OPM processing time 80% Interim payment rate while processing 18 Problems covered in this guide $0 Cost to fix most errors if caught early Retiring from federal service should be a celebration. Instead, thousands of federal retirees every year face a cascade of problems that delay their full pension, reduce their health coverage, pay them the wrong amount for months, or create administrative nightmares that take years to resolve. The frustrating truth is that most of these problems are preventable — if you know what to look ...
2026 Tactical Briefing · TSP Strategy TSP Roth In-Plan Conversions in 2026: The Complete Guide for Federal Employees Converting Traditional TSP dollars to Roth TSP is one of the highest-leverage tax moves available to federal employees and retirees — and 2026 is shaping up to be one of the best years to do it. This guide walks you through how in-plan conversions work, when they make sense, the exact tax math, and the multi-year strategy that can save you tens of thousands in lifetime taxes. 📅 Updated April 2026 · ⏱ 20 min read · 🛡 Warrior Retirement Editorial $0 Tax on qualified Roth withdrawals later 12% Bracket many retirees can convert at 8 yrs Typical conversion window: 62 to 70 73 Age RMDs begin under SECURE 2.0 📑 What This Guide Covers What Is a TSP Roth In-Plan Conversion? ...