The retirement math we wanted in one place.
Built by firefighters who kept hearing the same questions — at the station, around the kitchen table, and in between calls. When can I actually retire? What happens if I enter DROP? How do pension income, deferred comp, and savings all fit together?
Every FRS member asks some version of these questions. The existing tools answered each one in isolation — a pension estimator here, a savings calculator there, none of them talking to each other. So we built the tool we wished existed: one place to model pension, DROP, and deferred comp together using current FRS rules.
Funded by subscriptions. No ads, no data sales, no financial product referrals.
Regular Class and Special Risk scenarios modeled from Florida rules.
Projections change when your assumptions change. No ranked outcomes, no recommendations.
Built to clarify the math, not to sell products or direct choices.
Better together.
PensionForge works alongside the resources you already have.
MyFRS
Official benefit statements, account access, and plan election tools.
Model scenarios around your official numbers before making elections.
Visit MyFRSYour FRS Financial Planner
Free one-on-one planning session through the state.
Prepare questions and explore what-ifs before your meeting so you get more out of it.
Visit Your FRS Financial PlannerYour Union Benefits Counselor
Contract-specific details — overtime rules, sick time conversion, local agreements.
We handle the math; they handle the context no calculator can capture.
A Fee-Only Financial Advisor
Tax strategy, estate planning, and implementation.
Show up to that conversation already understanding your own numbers.
Visit A Fee-Only Financial AdvisorWhat powers it.
Infrastructure choices, expressed as what they mean for you.
Updated when the rules change.
We monitor legislative and regulatory changes weekly. When something moves — a new COLA rule, updated contribution limits, a rate adjustment — the engine is updated and the change is documented on our Legislative Pulse timeline.
Works offline.
The calculation engine runs on your device — no server round-trips, no waiting on a connection. Run projections on your phone, on your laptop, wherever you are, even without signal.
Your data stays yours.
Unauthenticated calculator work stays local to the browser. Saved scenarios are tied to your account and protected by per-user database security. We do not sell data or use it to market financial products.
Built on primary sources.
Every formula traces back to Florida Statute, the FRS Handbook, or IRS code. When we update the engine, we cite what changed and why.
See what your numbers look like.
Plug in your numbers and explore projections based on your inputs, for educational purposes.