Benefit Reviews

RETIREMENT GUIDES AND TOOLS

Explore resources designed to help you understand your options.

From The Blog

What Is a Retirement Road Map?

Jul 23, 2026 | Retirement Planning

What Is a Retirement Road Map?

Retirement planning often involves many different decisions over time. Rather than focusing on a single moment...

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Understanding Retirement Readiness

Jul 15, 2026 | Retirement Planning

Understanding Retirement Readiness

Retirement planning involves more than reaching a certain age or savings goal. Readiness can be reviewed across goals, income, and...

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Understanding Housing Decisions in Retirement

Jul 8, 2026 | Best Practices

Understanding Housing Decisions in Retirement

Housing can be an important part of retirement planning. As retirement approaches, questions about staying, moving, or...

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Interactive Tools

Military Buyback

Learn About Military Buyback

If you've served on active duty, Military Buyback may allow you to credit that time toward your federal civilian retirement. Reviewing how military service credit works can help you understand how prior service may fit into your total years of creditable service and your overall retirement timeline.

Estimate Your Military Buyback
Sick Leave Conversion

Sick Leave Conversion at Retirement

Unused sick leave converts to additional service credit in the Federal Employees Retirement System (FERS) or Civil Service Retirement System (CSRS) annuity computation using OPM's 2,087-hour year. This educational guide and calculator show how a balance of hours translates into months and days of credited time.

Convert My Sick Leave Hours
FERS and CSRS Pension Estimator

FERS/CSRS Pension Estimator

The federal annuity formula uses your high-3 average salary, your years of creditable service, and your retirement system's accrual factors. This educational estimator applies OPM's published FERS and CSRS formulas to the figures you enter and explains every assumption and exclusion; it is not an official benefit determination.

Explore the Pension Formula
Federal Retirement Date Calculator

Federal Retirement Date Calculator

Your federal retirement date depends on age, service time, and program rules. This educational calculator illustrates how general age and service guidelines may fit into a retirement timeline; it does not determine eligibility.

Estimate My Retirement Timeline
Retirement Resources

Retirement Resources

If you'd like additional information, you may choose to speak with an independent, licensed insurance professional who can explain available options. These professionals are not employed by our organization, and any guidance they provide is separate from our educational role.

LEARN MORE
Income & Benefits Education

Income & Benefits Education

Learn the general concepts and rules behind retirement programs and saving options. If you want individual guidance, we can connect you with an independent, licensed professional. They are not employed by Benefit Reviews.

EXPLORE YOUR RESOURCES
Discover Retirement Basics

Discover Retirement Basics

Our articles and guides explain common retirement factors in plain English. Use the resources at your own pace to see how the different elements fit together.

RETIREMENT 101
Benefit Reviews

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Disclaimer

The information provided on this website is for educational and informational purposes only and should not be interpreted as personalized financial, tax, or investment advice. Benefit Reviews provides general benefits education and insurance-based information and does not offer securities, investment management, or individualized fund selection, portfolio allocation, or investment advisory services. All examples or discussions of retirement benefits, income options, or protection-focused products are intended to illustrate general concepts that may or may not apply to your specific situation. Actual results and eligibility vary based on individual circumstances, plan rules, and the financial strength of any issuing insurer.

When you request additional information, Benefit Reviews may share your inquiry with a separate, independent, licensed insurance professional who can provide guidance or product information. These professionals are not employed by or under the control of Benefit Reviews, and Benefit Reviews does not guarantee the services or recommendations they provide.

Before making decisions related to benefits, retirement income, or insurance coverage, you should consult with qualified professionals such as licensed financial advisors, tax specialists, or legal counsel.

Benefit Reviews is a private organization and is not affiliated with, endorsed by, or acting on behalf of any government agency, including the U.S. Office of Personnel Management (OPM), the United States Postal Service (USPS), or the Thrift Savings Plan (TSP).

By using this site, you acknowledge that Benefit Reviews and its representatives are not responsible for decisions made or actions taken based on the information provided.

Some content on this site may be prepared with the assistance of artificial intelligence tools and is reviewed under our editorial process. AI-assisted material can contain errors or omissions. Before relying on any opinion, fact, or guidance found here, validate it with an appropriately qualified professional, such as a licensed financial advisor, tax specialist, or attorney. For details on how we collect and handle personal information, see our Privacy Policy.

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