Federal Benefits Gap Calculator | See Where You Stand

Step 1 of 4

Your Employment Profile

These details let us calculate your specific benefit numbers — not general estimates.

Current Age

Years of Federal Service

Annual Salary (Gross) — approximate is fine

Target Retirement Age

Family Situation

Married / Partner

Single

With Dependents

Step 2 of 4

FEGLI Coverage Analysis

FEGLI Option B premiums increase every 5 years. Let's see where yours are headed.

Current FEGLI Coverage Type

Option B (age-rated)

Basic Only

No FEGLI

Coverage Amount (multiples of salary)

1×

3×

5×

Custom

Custom Coverage Amount ($)

Do you have private life insurance outside FEGLI?

Yes

Step 3 of 4

Income Protection Analysis

FERS Disability only partially replaces your income. How protected is your household?

Monthly Fixed Expenses — mortgage, utilities, etc.

Do you have emergency savings (6+ months)?

Yes — 6+ months

Partial — 1–5 months

No / Minimal

Does your spouse/partner have income?

Yes — full income

Yes — part-time

No / Not applicable

Step 4 of 4

TSP & Retirement Timing

Market risk in the 5 years before retirement can delay your exit date significantly.

Approximate Current TSP Balance

Primary TSP Allocation

Mostly C/S/I Funds

Mixed (L Fund)

Mostly G/F Fund

Have you selected a Survivor Benefit option (SBP)?

Yes — full SBP

Yes — partial

No / Not yet

Not sure

Your Profile Is Ready

See Your Gap Awareness Profile

Enter your name and email below to instantly unlock your 2026 personalized gap analysis and receive your free 9-page Federal Benefits Checkup Report in your inbox.

Your Gap Awareness Profile

2026 Federal Benefits Analysis

How to read this: Based on your answers, we've identified which of the 7 gaps are most likely relevant to your situation. This is a starting point — not a diagnosis. The free report explains each gap in detail.

Gap Awareness Profile

Your Federal Benefits Gap Summary

The 7 Gaps — Your Profile

Which Areas Warrant a Closer Look

This profile is based on your responses and general federal benefits patterns. It identifies areas that commonly create exposure for employees with your profile — not a guarantee of your specific situation. Individual results vary based on GS level, agency, and personal circumstances.

What This Means for You

Key Observations

Get the Full Picture — Free

This profile shows which gaps are most likely relevant to your situation. The free 2026 Federal Benefits Checkup Report explains why each gap exists, what the real numbers typically look like, and what questions to ask — in plain English.

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