firelytics

Pensions

What does my public pension pay, and from when?

Public pensions by their own rules: FERS and military retired pay, and the CalPERS, CalSTRS and Texas TRS plans. Each page shows when the pension can start, what it pays and what an early start costs. Readers outside the US will find the Canada, Singapore and UK public-pension pages here too.

Start here

FERS early retirement

For a federal civilian employee: it is set at your age and years of service.

Military retirement calculator

For a service member: retired pay by system and years of service.

Not in the US? Jump to the pages for other countries.

In the US

Outside the US

  • CPP and OAS calculator (Canada)

    The pot you need to stop work when CPP and OAS start later, in Canadian dollars.

  • CPF FIRE planner (Singapore)

    The age money outside CPF could carry you to your CPF LIFE payouts, in Singapore dollars.

  • SRS calculator (Singapore)

    The income tax an SRS contribution saves, what is locked until the retirement age, the tax on spreading it over ten years, and the SRS against saving elsewhere, in Singapore dollars.

  • CPF top-up calculator (Singapore)

    The income tax a CPF cash top-up saves, what it costs after that tax, and what it does to your Retirement Account at 55 and the CPF LIFE payouts CPF publishes, in Singapore dollars.

  • CPF LIFE calculator (Singapore)

    Your monthly CPF LIFE payout from CPF's own estimates, and the money outside CPF that bridges to it, in Singapore dollars.

  • CPF calculator (Singapore)

    What goes into your CPF each month from your salary and age, where it goes and what the accounts hold at 55, in Singapore dollars.

  • Retire early in Singapore

    The pot you need to stop work at an age before CPF pays, in three parts, in Singapore dollars.

  • CPF retirement sums (Singapore)

    The Basic, Full and Enhanced Retirement Sum for the year you turn 55, what each pays from CPF LIFE and what happens to your savings at 55, in Singapore dollars.

  • CPF withdrawal at 55 (Singapore)

    What moves into your Retirement Account at 55, what you can withdraw with and without a property pledge, and what stays until your payouts, in Singapore dollars.

  • Cost of raising a child (Singapore)

    Your costs by stage less the SG Child Support Package, tax reliefs and child accounts, and what a child does to your FIRE date, in Singapore dollars.

  • State Pension calculator (UK)

    The State Pension a week from your qualifying years, the age it starts and what it takes off the pot you need, in pounds.

  • Early retirement calculator (UK)

    The pot to stop work before State Pension age in three parts: the ISA bridge, the pension years and the State Pension years, in pounds.

  • Pension drawdown calculator (UK)

    How long a pension pot lasts at the income you want after tax, with the tax-free part, income tax and the State Pension, in pounds.

  • Pension tax relief calculator (UK)

    What a pension contribution costs you after tax relief: what your provider adds, what you claim back at the higher and additional rates, and the net cost, in pounds.

  • ISA or pension (UK)

    The same pay set aside in an ISA and in a pension: the yearly income each gives after tax, side by side, and the years before the pension can be reached that only the ISA can pay.

  • OAS calculator (Canada)

    OAS by the age you start it, the recovery tax on your income and what waiting changes, in Canadian dollars.

  • RRSP to RRIF calculator (Canada)

    The minimum a RRIF must pay each year from the age you open it, and the OAS clawback it can cause, in Canadian dollars.

  • TFSA or RRSP (Canada)

    The same pay set aside in a TFSA and in an RRSP: the yearly income each gives after tax at the rate you expect in retirement, how RRSP withdrawals are taxed and withheld, and the years before CPP and OAS.

  • Early retirement calculator (Canada)

    The pot to stop work before CPP and OAS in three parts: the TFSA bridge, the RRSP years and the RRIF years, in Canadian dollars.

  • PRS calculator (Malaysia)

    The income tax a Private Retirement Scheme contribution saves, what is locked until 55, and the PRS against saving elsewhere, in ringgit.

  • Retirement tax reliefs (Malaysia)

    The LHDN reliefs that touch retirement saving in one table, and what a relief is worth at each tax band, in ringgit.

  • Retirement calculator (Malaysia)

    The pot you need to stop work in ringgit, how much of it your EPF and PRS cover, and what your own savings outside them must hold.

  • EPF calculator (Malaysia)

    Your EPF balance at 55 and at 60 in ringgit, how new contributions are split between the three accounts, and what stopping work early costs it.

  • Early retirement calculator (Malaysia)

    The earliest age you could stop work in ringgit, the bridge to when your EPF and PRS open, and the PRS relief while you save.