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FR80 Calculator - What is Your Federal Retirement Destiny?

According to an Employee Benefit Research Institute study, 40% of retirees in the United States will run out of money.
With your Pension, Social Security, TSP and/or Investments, can it happen to you?

The results below do not take into account these four factors that could exacerbate any income deficit:

● Medical emergency including Nursing Home Care, which averages $100,000 per year. According to HHS.gov, 70% of all people
    over age 65 will require some form of nursing home or in-home care.

● Stock Market Declines: a $300,000 TSP or investment account can easily become $150,000 in a down market, then what?

● Is Social Security 100% Guaranteed? Not according to the Social Security Board of Trustees, which states the Fund will
    run “dry” by 2032.

● Inflation, Inflation, Inflation!

Section 1: Estimated Pension Income 
Your Current Age: 
Age you are planning to retire: 
Current Number of Years of Federal Service: 
Total Number of Years of Federal Service at Retirement: 
Your Current base pay (excluding Bonuses, Sick & Vacation pay): 
Annual % pay increases (Averaged 1.48% for past 15 years): 
Approximate High Three at retirement: 
Your Estimated Annual Federal Pension will be:  Calculate
Section 2: FERS Supp Income (Not Applicable to CSRS) 
Estimated Annual Social Security at Age 62: 
Estimated Annual Social Security When You Retire: 
Annual FERS Supplement Amount (Ends at Age 62):  Calculate
Section 3: FIA/TSP Income (Including Non-TSP Investments) 
Amount Deposited: 
G-FUND: 
TSP/Investment Assumed Annual Principal Growth % Rate: 
FIA Assumed Annual Principal Growth % Rate: 
In how many years from today do you plan on withdrawing money: 
What % amount will you withdraw at that time: 
In how many years from today will we see a stock market correction (TSP/Investment Decline): 
What % Decline will occur at that time: 
In how many years from today will we see a second correction (TSP/Investment Decline): 
What % Decline will occur at that time: 
Initial TSP/Investment Annual Income: 
Calculate Show Grid
  

If your TSP/Investments suffer even a modest decline due to market conditions,it will adversely impact your retirement income

Section 4: Estimated Retirement Income 
Pension: 
Social Security: 
FERS Supplement (Ends at Age 62): 
TSP/Investment Income: 
Total Income: 
Income Deficit: 
Income Deficit %:  Clear All




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