Compare retirement planning tools
FERSFree vs FedHorizon
Compare federal retirement planning tools when your income includes civilian and military benefits.
FERSFree brings VA disability and military retirement assumptions into the same plan as FERS, TSP, and Social Security. FedHorizon advertises a federal benefits report with retirement-age comparisons, FEHB, and survivor analysis, free during beta.
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Checked September 26, 2026 against the linked public pages. Features and prices can change. “Not described” means we could not verify the feature from those pages.
| Feature | FERSFree | FedHorizon |
|---|---|---|
| Starting cost | Free income estimate | Free quick estimate; report advertised as free during beta |
| Retirement-date comparison | Included in the $20 one-time report | Three retirement ages compared in its report |
| VA disability and military retirement income | Dedicated planning inputs alongside civilian income | Not described as income modules on the reviewed homepage; confirm with provider |
| Military service credit | Military buyback review in the planning checklist | Homepage describes military buyback modeling |
| Report focus | Income across selected systems, timing tradeoffs, and next steps | Federal benefits, survivor elections, and retirement-age tradeoffs |
Sources: FedHorizon homepage and beta offer.
Review FERSFree’s free and paid features · See the sample report
Common questions
Why consider FERSFree if FedHorizon reports are free during beta?
Compare the income sources you need. FERSFree includes VA disability and military retirement planning inputs alongside civilian benefits. FedHorizon advertises a free beta report covering federal benefits and retirement ages. Review both tools against your situation before paying for a report.
Can I start with FERSFree for free?
Yes. Start with the free income calculator. The optional Retirement Decision Report costs $20 once and adds retirement-date comparisons, planning risk flags, and a printable personalized checklist.
Does FERSFree provide an official benefit determination?
No. FERSFree is an independent planning tool. Confirm eligibility, service credit, and benefit elections with your agency and the relevant benefit administrators.