Tools
New to FRS? The glossary and pension benefit estimator are good starting points.
For a guided walkthrough, build your retirement picture.
Your pension
The foundation — how your FRS benefit is calculated and which plan structure you're in.
See your projected monthly and annual pension based on years of service, AFC, and enrollment era.
Background readingAverage your highest-paid years to compute the Average Final Compensation that drives your pension.
Background readingCompare 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.
Project the growth of a 457(b) — including a Roth 457(b) split — Roth IRA, or Traditional IRA balance over time.
Background readingRun 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.
Project your DROP lump sum and see how COLA and interest rate affect the accumulation.
Background readingCombine pension, DROP, and account growth into a single retirement-day picture.
Background readingDROP Exit Strategy
Decision FlowModel the tax implications of each way to deploy your DROP lump sum — 457(b), Traditional IRA, Roth conversion, cash, or a split — across a multi-year horizon, with RMDs and the public-safety-officer exemption modeled.
Background readingCheck whether returning to work for an FRS employer after retirement falls within the restriction period, and how many months of benefit would be suspended.
Background readingEstimate your Social Security benefit and see how claiming at 62, full retirement age, or 70 changes the monthly amount.
Background readingCompare projected after-tax retirement income across two to five states, with each state’s rule and source link shown alongside the estimate.
Service Credit Purchase
Decision FlowModel the estimated cost and projected pension impact of buying FRS credit for prior military, Florida public, or out-of-state public service — cost and benefit side by side.
Background readingSurvivor Benefits
Decision FlowSee what your beneficiary receives if you die — during active service, DROP, or retirement — and how your FRS survivor benefit fits your household’s financial picture.