Tools
Individual tools for when you know exactly what you want to model. For a guided walkthrough, build your retirement picture.
New to FRS? The glossary and pension benefit estimator are good starting points.
Individual tools for when you know exactly what you want to model.
Your pension
The foundation — how your FRS benefit is calculated and which plan structure you're in.
Pension benefit
See your projected monthly and annual pension based on years of service, AFC, and enrollment era.
Background readingAFC calculator
Average your highest-paid years to compute the Average Final Compensation that drives your pension.
Background readingPlan 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.
Background readingYour savings
How your supplemental retirement accounts grow alongside your pension.
457(b) growth
Project the growth of your 457(b), Roth IRA, or Traditional IRA balance over time.
Background readingContribution 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.
Background readingRetirement planning
Modeling the bigger picture — DROP, lump-sum handling, full projections, and where to retire.
DROP modeling
Project your DROP lump sum and see how COLA and interest rate affect the accumulation.
Background readingFull retirement projection
Combine pension, DROP, and account growth into a single retirement-day picture.
Background readingDROP 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.
Background readingRetirement 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.