Base App Features

Free Basic App

Inputs are easy, and stay on your iPhone or iPad, we do not collect this information!

First input your expected salary at time of retirement. Second input your estimated expenses relative to your salary. Third, enter your expected TSP and/or 401K amounts as of your retirement date. Fourth enter your years of federal service and your pension multiplier. If you retire at 62, you get a 10% kicker! Lastly, enter your social security estimate based on starting at age 62, 67, or 70.

This Simulation screen helps retirees evaluate how risky a S&P 500 strategy might be for them. Since retirees will often need to use their TSP each year to pay retirement expenses, the sequence of S&P 500 returns matters! That is, you hope you have a few good years right off the bat when you retire! The good news is that the larger the TSP balance, the more volatility in returns you can survive.

This basic version shows how long your TSP would last in a depression type S&P scenario and it also shows how your TSP balance under the best 25-year scenario in past 100 years.

This Retirement Summary page starts off with an estimate of your annual expenses in retirement. Then we deduct Social Security payments, after-tax, and also your Pension Benefit, after-tax, to see what net cash, after-tax, you will need from your TSP to cover the remaining expenses.

We then estimate what a TSP annuity would cost to cover that amount and see if your TSP is large enough to buy the annuity. If so, you are in great shape! If not, you might want to see how a more risky, but higher return, strategy might work using historical S&P 500 returns.