Free tools for the parts of retirement nobody warns you about

I retired from federal service and waited 327 days for OPM to finalize my case. These tools come from that experience — run your own numbers, for free, in about a minute each.

Federal Retirement Tools

Wait Planner

Can your savings survive the OPM wait? Interim pay, expenses, and your survival score.

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The Interchange

FEHB, Medicare Part B, or both? Estimate your IRMAA-adjusted premium and see your real cost.

Check my costs →

The Bridge Test

Planning to work after retiring? See how the FERS supplement earnings test affects you.

Test my earnings →

Retiring Abroad

Country Comparison

Thailand, Panama, Vietnam, Portugal, Mexico, and the Philippines — side by side, through a federal retiree's eyes.

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Country Quiz

Answer a few questions and find out which country actually fits your retirement.

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Retirement & Freedom Guides

Best Value · Save $75

The Retire Abroad Collection

Get all six federal-retiree country guides: Panama, Thailand, Vietnam, Portugal, Mexico, and the Philippines.

$69

Get the Complete Collection

Retiring in Panama$24 Retiring in Thailand$24 Retiring in Vietnam$24 Retiring in Portugal$24 Retiring in Mexico$24 Retiring in the Philippines$24

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Surviving the Wait

My step-by-step guide to living on interim pay — everything I learned from my own 327-day OPM wait, so yours costs you less.

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