Federal Household Retirement Planner

A comprehensive planning tool for federal employees and their spouses to visualize their combined retirement income.

Educational Tool Disclaimer: This calculator is for informational purposes only. Results are estimates and do not constitute financial advice. Always consult with a qualified financial advisor.

Spouse 1: Federal Employee

Enter the primary federal employee's retirement details.

Spouse 2: Information

Select spouse's employment type and enter their details.

Federal Employee

Private Sector

Spouse Information

Date of Birth

Planned Retirement Age

Current Annual Salary

401(k) / Other Retirement Account

Current 401(k) Balance

Annual Contribution (incl. match)

Est. Annual Growth Rate (%)

Desired Annual Withdrawal

Private Pension (if applicable)

Estimated Monthly Pension Amount

Social Security

Estimated Monthly Benefit at Full Retirement Age

Household Retirement Summary

An overview of your combined financial picture in retirement.

Total Estimated Household Income

Monthly Income

Annual Income

Income Replacement Ratio

Income Breakdown

Social Security Claiming Strategies

See how different claiming ages affect your total household Social Security benefit.

Scenario	Spouse 1 Claims	Spouse 2 Claims	Combined Monthly Benefit