Built by firefighters · For FRS members

See your full retirement picture. In one place.

Pension, DROP, 457(b), and Roth — modeled together so you can compare paths and retire with confidence. Not guesswork.

Build your retirement pictureFree to start · No credit card
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integrated calculators
Offline-ready
calculations run in your browser — works on shift
FRS
rules baked in, not bolted on

Retirement planning shouldn't take five tabs and a spreadsheet.

Your pension, your DROP, and your deferred comp accounts all affect each other. PensionForge is the only tool that models them together.

Without PensionForge
A pension website
Separate 457(b) tool
Spreadsheet #1
Spreadsheet #2
???
With PensionForge
Pension projection
DROP modeling
457(b) & Roth growth
Tax impact
Combined picture

Change one variable. See the ripple.

What if you enter DROP at 25 instead of 27? What if you shift to a Roth-heavy mix? See exactly how each decision affects your full picture.

Monthly pension
$9,694
DROP lump sum
$641,570
Account balances
$1,056,047
Combined monthly retirement income
$13,215/mo

Illustrative example using sample inputs.

Combined picture

See how pension, DROP, and savings accounts work together on retirement day — not in isolation.

Scenario modeling

Compare DROP at 25 vs 27. A 457(b)-heavy mix vs Roth-heavy. Save scenarios and revisit them.

Accurate math

Built on the actual FRS formulas — multiplier, AFC, COLA, DROP interest. Your numbers match the official calculation.

Nine tools. One integrated picture.

Start with the full projection, or dive into any individual piece. Every tool feeds the same engine.

Start here

Full retirement projection

Combine pension, DROP, and account growth into a single retirement-day picture.

Pension benefit
See your projected monthly and annual pension based on years of service, AFC, and enrollment era.
AFC calculator
Average your highest-paid years to compute the Average Final Compensation that drives your pension.
DROP modeling
Project your DROP lump sum and see how COLA and interest rate affect the accumulation.
457(b) growth
Project the growth of your 457(b), Roth IRA, or Traditional IRA balance over time.
DROP decision impact
Project the one-year tax math for each way you could handle a DROP lump sum — cash, rollover, Roth conversion, or a partial split — with the IRS rules cited.
Retirement state relocation
Compare projected after-tax retirement income across two to five states, with each state’s rule and source link shown alongside the estimate.
Contribution strategy compare
Run two contribution mixes side by side — a 457(b)-heavy mix versus a Roth-heavy mix, for example — with an after-tax retirement value and current-year tax savings for each, holding every other projection input constant.
Plan Election Explorer
Compare the Pension Plan's projected monthly benefit to the Investment Plan's projected account balance, side by side, using your own assumed return.

Learn

Plain-language background on the rules behind the math.

View all →
FRS glossaryFRS plan optionsAccount typesHealth Insurance Subsidy (HIS)DROP explainedBenefit payment optionsEarly retirementLeaving FRS before retirement

Your numbers. Your timeline.

Free to use. No credit card required. See what YOUR retirement looks like in under two minutes.

Build your retirement picture