Use this educational tool to compare retirement assumptions. The interactive calculator loads with JavaScript; the explanation below is available to every visitor. Quantos LLC publishes MyFedPlan independently of the U.S. government. Estimates are not official benefit determinations.
Read the methodology and model limits and our federal retirement guides.
Military service credit can materially improve civilian retirement outcomes, but only when the deposit strategy is evaluated carefully. This calculator helps you estimate the repayment amount and compare it with projected annuity increases. The key is to evaluate the break-even period and your planned retirement horizon before deciding.
Not always. It depends on deposit cost, expected retirement duration, and your broader income plan.
As early as possible so you can plan repayment timing and avoid last-minute surprises.