"One More Year" Syndrome Analyzer

Explore a 10-year projection to see how delaying retirement impacts your FERS Pension, TSP, and Retiree Annuity Supplement (RAS).

How It Works

  • Enter your baseline retirement and financial data. This can be a future plan or a past retirement date to see what might have been.
  • The calculator will generate a 10-year projection showing how each pillar of your retirement grows.
  • Hover over the chart to see a detailed breakdown for any given year, and review the data table below.

Acknowledged Shortcomings

We understand every year the amount you can contribute to TSP usually goes up, as well as you may get a step/grade increase. This tool uses a fixed annual pay raise and does not account for these specific changes. Realize this will not be an absolute perfect scenario, but it should give you a good rough estimate.

Step 1: Your Baseline Retirement Plan

FERS Pension Data

TSP Savings Data

General & RAS Data