Compare retirement planning tools
FERSFree vs FERS Report
Compare FERSFree’s $20 Retirement Decision Report with FERS Report’s $29 Essentials and $79 Complete reports.
FERSFree brings federal, military, and VA income into one plan. FERS Report offers pension-focused estimates and separate paid report tiers. Compare the contents as well as the price: these are different packages.
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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 | FERS Report |
|---|---|---|
| Free starting point | Income estimate across selected retirement systems | FERS pension calculator with eligibility, supplement, and scenario comparison |
| Paid report price | $20 one-time Retirement Decision Report | $29 Essentials; $79 Complete, each a one-time purchase |
| Retirement-date comparison | Side-by-side comparisons in the paid report | Listed in free and paid tiers; Complete lists your date, +1 year, +3 years, age 62, and eligible alternatives |
| VA disability and military retirement income | Dedicated inputs for mixed retirement planning | Not described as income modules on the reviewed homepage or pricing page; confirm with provider |
| Printable planning support | PDF summary and personalized next-step checklist | Printable reports; Essentials includes an HR verification checklist |
Sources: FERS Report pricing and tier contents; FERS Report calculator overview.
Review FERSFree’s free and paid features · See the sample report
Common questions
Is FERSFree $20 compared with FERS Report’s $29?
FERSFree’s optional report is $20 once. FERS Report lists Essentials at $29 and Complete at $79. Both offer a free starting point. The tiers differ, so compare the included planning views before choosing.
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.