🧭 My Federal Money Timeline
Every age that changes your federal money math, on one line — from your first TSP catch-up year to maximum Social Security.
Works offline — your inputs never leave this device. How that works
Age 50 · 2025
TSP catch-up begins
Contribute above the elective deferral limit starting the year you turn 50.
TSP calculator →Age 57 · 2032
Your MRA
Minimum Retirement Age: MRA+10 opens (reduced), or immediate retirement with 30 years.
FERS calculator →Age 57–62 · 2032
FERS supplement window
Immediate unreduced retirees before 62 draw the annuity supplement until it ends at 62.
Supplement calculator →Age 60 · 2035
Age 60 + 20 years = unreduced
An immediate unreduced annuity needs only 20 years at age 60. TSP super catch-up also runs 60–63.
FERS calculator →Age 62 · 2037
The 1.1% switch
Retiring 62+ with 20+ years earns the 1.1% multiplier — a permanent 10% bigger pension. Social Security can start (reduced).
Compare at 62 →Age 67 · 2042
Social Security FRA
Full retirement age for those born 1960+ — claiming later than 62 permanently raises the check.
Age 70 · 2045
Max Social Security
Delayed retirement credits stop at 70 — no benefit to waiting longer.
Eligibility combinations (MRA+30, 60+20, 62+5, MRA+10 reduced) are summarized from OPM's FERS eligibility rules; your official eligibility is determined by OPM from your service record. Want these dates in your calendar? The free kit exports them as .ics.