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Free includes the full interview, core report, and tax analysis. Pro unlocks advanced report sections, PDF export, and unlimited profiles.

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Features
Free
Pro
Retirement Interview & Core Report
Full 11-step retirement interview
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FERS / CSRS pension projection
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TSP growth projection
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Retirement readiness gauge
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Basic personalized report with recommendations
✓
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Tax & Take-Home
Federal tax estimate with 2026 brackets
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Take-home pay breakdown (FICA, FEHB, TSP, FSA)
✓
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IRA eligibility & contribution analysis
✓
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FSA / HSA optimization
✓
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"One Big Beautiful Bill" deduction check
✓
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Advanced Report Sections (Pro)
Social Security timing strategy (ages 62–70)
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✓
Retirement age comparison table
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Survivor Benefit Plan (SBP) analysis & breakeven
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✓
Portfolio longevity (how long your money lasts)
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✓
Withdrawal rate comparison table
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FEHB in retirement guidance (5-year rule, Medicare)
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Net worth snapshot with home equity
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Save as PDF / Print report
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Profiles & Scenarios
Saved profiles
1 profile
Unlimited
Side-by-side profile comparison
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Duplicate a profile to test "what if" scenarios
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✓

The free plan stays free forever — full interview, core report, and tax analysis with one saved profile.
Upgrade to Pro for SS timing, SBP analysis, portfolio longevity, PDF export, and unlimited profiles.