Federal Retirement Income Planner | 2026 Professional Planning Edition

Knowing what your federal retirement benefits may be is only part of the equation. The bigger question is: What will your retirement income actually look like each month?

The Federal Retirement Income Planner is a 13-page planning resource designed to help federal employees bring their major retirement income sources, deductions, household expenses, and transition needs together in one organized place.

Instead of looking at FERS, TSP, Social Security, healthcare costs, and household expenses separately, this planner helps you build a more complete retirement cash-flow picture.

INSIDE THE INCOME PLANNER:

• Retirement income baseline worksheet
• FERS basic annuity planning
• FERS Annuity Supplement planning
• TSP retirement withdrawal scenarios
• Social Security income planning
• Other pension and household income tracking
• FEHB and FEGLI deduction planning
• Medicare and IRMAA considerations
• Federal and state tax-estimate planning
• Household expense worksheet
• Monthly retirement surplus/shortfall analysis
• Retirement transition reserve planning
• TSP income scenario comparison
• Social Security claiming and earned-income review
• Retirement income stress testing
• Retirement income floor analysis
• 12-month first-year retirement cash-flow calendar
• Final income-readiness checklist
• Official authority and verification sources

BUILT AROUND FOUR IMPORTANT STEPS:

IDENTIFY
Bring your expected retirement income, deductions, expenses, and available reserves together.

ESTIMATE
Build a working monthly and annual retirement cash-flow picture using your own information.

STRESS-TEST
See how your plan could respond to lower income, higher healthcare costs, unexpected expenses, or changes to your TSP withdrawal assumptions.

VERIFY
Identify the figures and assumptions that should be confirmed with official sources before relying on them.

WHO THIS IS FOR:

Federal employees who want to understand how their FERS annuity, TSP, Social Security, insurance costs, taxes, and household expenses may work together after retirement.

FORMAT:

• 13-page digital PDF
• Printable
• Designed for personal federal retirement income planning
• 2026 Professional Planning Edition
• Immediate digital download

Retirement planning is about more than knowing your benefits.

Know what may come in. Understand what may go out. Identify the gaps. Build a stronger retirement plan.

IMPORTANT:

This is an independent educational and organizational resource. It is not an official government publication and is not affiliated with, endorsed by, or sponsored by any federal agency. It does not provide legal, tax, investment, financial, or individualized retirement advice. Federal benefits rules and personal circumstances can change. Final eligibility, benefit amounts, continuation of coverage, tax treatment, and retirement processing are determined by the responsible authorities under applicable law and regulation.