Built by veterans & federal employees Verified against OPM / DFAS / IRS No cookies, no salesman
What you get
The numbers that actually decide your retirement
TSP Lab puts your whole federal picture in one place — and helps you truly understand it, not just read a number. Most calculators do one piece; this connects them all, with the real dollars.
TSP, projected
See your TSP grow to retirement with agency match, contribution caps, Roth vs. traditional, loans, and RMDs — all on the 2026 limits.
What-If scenarios
Roth conversions, a PCS move, a military buyback, divorce, an early separation, Social Security timing — see the lifetime impact before you decide.
Your real pension
FERS, CSRS, and military retirement computed with the true formulas — high-3, the 1.1% factor, special-category rules, sick-leave credit, and the FERS supplement.
Location-aware pay & tax
A move changes everything. See the locality-pay and state-tax swing between duty stations — the difference a "no income tax" state really makes.
Military & Reserve
Active, Reserve, and Guard — drill pay, the points-based age-60 retirement, BRS vs. Legacy, and buying back military time toward a federal pension.
Your readiness & path
One clear score, your gaps to close, and the year you can actually retire on your income goal — with a probability range, not false certainty.
What sets us apart
Two things no other federal tool gives you
Everyone shows you a pension estimate. Almost no one lets you study the funds and test a strategy against real history — before you move a dollar.
★ Flagship
TSP Strategy Builder
Compose your own fund moves across the G, F, C, S, I, and Lifecycle funds — then see how that strategy would actually have played out against real market history. Backtest before you commit.
Build and compare allocation strategies side by side
See how your moves would have performed, day by day
Learn what worked — without risking a real dollar
★ Flagship
Historic Funds Calendar
See exactly which TSP fund led — day by day, across any window you pick — plus a calendar of real historical returns. Leadership shifts over time, and now you can see it, not guess it.
Which fund led, any period you choose
Real historical returns on a clean calendar
For learning from what happened — never hype
How it works
Four steps. A few minutes.
1
Enter your basics
Your system (FERS, CSRS, military), grade or rank, service years, and TSP balance. No account, no email — it lives on your device.
2
See your full picture
Your projected pension, TSP, Social Security, and net worth to retirement — with a readiness score and the gaps to close.
3
Run the what-ifs
Test a move, a Roth conversion, an earlier retirement — and watch the real lifetime numbers change before you commit.
4
Study & test your strategy
Build your own TSP fund allocation and see how it would have performed against real market history — plus which fund led, any window you pick.
See it in action
Clean, clear, actually usable
No spreadsheets. No jargon walls. Just your federal retirement, shown the way it should be.
Your dashboardNet worth, readiness & income
Your pathWhen you can retire
What-If scenariosTest any decision
Strategy BuilderStudy the funds
Who it's for
Built for people who serve
If your retirement runs on FERS, CSRS, the TSP, or military time — this was made for you.
Civil servantsFERS & CSRS
MilitaryActive, Reserve, Guard
Special categoryLEO · FF · ATC
Mil-to-fedBuyback & transition
Your numbers stay yours
TSP Lab runs entirely on your device. No account, no cookies, no third-party trackers — and your financial details are never sent to a server, sold, or handed to an advisor waiting to call you. Just the math — private, and yours.
Questions
Good to know
Is it really free?
Yes. The tool is free to use, with no account and no sign-up. We built it to be the honest front door for federal retirement planning — not a lead form for someone to sell you an annuity.
How accurate are the numbers?
Every calculation is built from the actual federal rules — OPM for FERS/CSRS, DFAS for military pay, IRS and tsp.gov for TSP limits and taxes — and verified against the latest OPM, DFAS, and IRS tables. It's a planning projection, not a guarantee, and it's clear about its assumptions.
Do you store or track my data?
Your financial inputs stay on your own device (in your browser's local storage) — never uploaded to a server, never sold. We use no cookies and no third-party trackers. Like most websites, we keep a basic visit count (no cookies, no profiles, nothing tied to you) just to see how many people the tool is reaching.
Which systems does it cover?
FERS, CSRS, and CSRS Offset; military BRS and Legacy High-3; Active, Reserve, and Guard; and special-category service (Law Enforcement, Firefighter, Air Traffic Control). Mixed careers — like military-to-federal — are supported too.
Is this financial advice?
No. TSP Lab is an educational planning tool that shows you the numbers. It doesn't recommend products or tell you what to do — that's your call, ideally with a fiduciary you trust.
Use it like an app
Add it to your home screen
No app store, no download. Save TSP Lab to your phone in a few taps and it opens full-screen, just like a regular app.
iPhone & iPad (Safari)
Open TSP Lab in Safari (tap "Build your plan" above).
Tap the Share button — the square with an up-arrow, at the bottom of the screen.
Scroll down and tap Add to Home Screen.
Tap Add — the TSP Lab icon is now on your home screen.
Android (Chrome)
Open TSP Lab in Chrome (tap "Build your plan" above).
Tap the ⋮ menu in the top-right corner.
Tap Add to Home screen (or Install app).
Tap Add — done. The icon's on your home screen.
See where you actually stand.
A few minutes, no account, and your real federal retirement picture — pension, TSP, and all.
