Inside the app · iOS · Version 2.3.1

See how it works. Try a rough estimate.

Get a quick, rough estimate right here, then take a closer look at each screen. The app goes much further, with your real career path, Continuation Pay, your own fund mix and paths side by side.

Try a Rough Estimate Jump to the screens ›

Quick rough estimate.

A few inputs, no sign-up. Nothing you enter leaves this page.

030
2040
0%25%
Retirement system
Joined after 2017? You're on BRS.
Your rough estimate Today's dollars
TSP at separation$0
Monthly pension$0
High-3 pay$0
Multiplier0%
Government adds$0

A very rough estimate, not a guarantee and not financial advice. It uses the 2026 DFAS basic pay tables, your highest 36 months of base pay (High-3) for the pension, the 1% automatic plus up to 4% BRS match, the $24,500 IRS limit, and the app's default fund mix (70% C, 20% S, 10% G) at a moderate return of about 5.8% a year after inflation. It assumes promotions spaced evenly between now and separation. The app lets you set your real path, Continuation Pay, fund mix and more.

Screen by screen.

Every number below comes from one example career, worked out with the app's own math. All rough estimates.

Dashboard

Which path comes out ahead?

Every track you build lands here. The one with the biggest TSP at separation leads and gets a star.

  • See the leading track's TSP, monthly pension and a lifetime total of pension plus TSP withdrawals.
  • Edit, duplicate or delete any track.
  • Tap Visualize to chart one track over your lifetime.
  • Continuation Pay shows on any track that includes it.
DashboardExample
Leading track · 18% to TSP
$445,000
TSP at separation
$2,676Pension / mo
$4.1MLifetime
20 yrsSeparation
// All tracks
18% to TSP ★$445,000E-8 · 20 yrs · BRS$2,676/mo
10% + CP$311,000E-8 · 20 yrs · BRS · CP$2,676/mo
10% to TSP$288,000E-8 · 20 yrs · BRS$2,676/mo

Rough estimates · today's dollars

Track Builder · Career Path

What if my career doesn't go in a straight line?

Lay out your career as a timeline of milestones. Each one can be:

  • A promotion.
  • A reduction in rank, for example taking a lower grade to retrain into a new job.
  • A TSP rate change.
  • A rank change and a rate change together.

Pick High-3 or BRS and any separation year from 20 to 40. Tap a link in one card and the page glides to the card it points to, then opens it.

Career PathExample
  • Now · 6E-5 · 5%Start
  • Yr 9E-6Promotion
  • Yr 11E-5Reduction · retrain
  • Yr 12CP $15,000To TSP
  • Yr 135% to 10%Rate change
  • Yr 15E-6 · 12%Rank + rate
  • Yr 20SeparationBRS
Track Builder · Contributions

Am I leaving free match money on the table?

Under BRS the government puts in 1% of your base pay automatically and matches up to 4% more, for 5% in total. Put in less than 5% and the app tells you, with a rough estimate of what it costs you by separation.

  • A year-by-year staircase shows your money above the line, the government's below, and the $24,500 IRS limit. Tap a year to edit its rate.
  • Try every rate previews your whole plan at 1% or 2% higher or lower.
  • Add your Continuation Pay bonus (amount and year) and see a rough estimate of what it adds by separation, on the charts, Career Path timeline, Dashboard and Compare.
ContributionsExample
TSP at separation
$311,000
$24,500 IRS limit Yr 1 Yr 20
You (above the line)Government (below)CP bonus
Try every rate
-2%-1%+1%+2%
✓ Full government contribution: 5% (1% automatic + 4% match)
Continuation Pay to TSP
$15,000
Year of service received
789101112

Rough estimates · today's dollars

Track Builder · Investments

Where will my TSP end up?

Set your mix of G, F, C, S, I and L funds and pick a conservative, moderate or aggressive return, based on historical TSP performance.

  • Tap any fund for a plain overview of what it holds and how it behaves.
  • Figures show in today's dollars by default, with a switch for future dollars.
InvestmentsDefault mix
G
10%
F
0%
C
70%
S
20%
I
0%
L
0%
ConservativeModerateAggressive
Compare · Retirement Mountain

Is my Continuation Pay worth putting in?

Put any two tracks side by side. Here, the same career with and without a $15,000 Continuation Pay deposit at year 12. Compare is free.

  • TSP, monthly pension, High-3 pay and multiplier for each track.
  • Retirement Mountain charts your TSP from today through separation and withdrawals, with a dot for the Continuation Pay year.
CompareExample
E-8 · 20 yrs10% to TSP
VS
E-8 · 20 yrsCP +$15,000 to TSP
$288,000TSP at separation$311,000
$2,676Monthly pension$2,676
$6,690High-3 pay$6,690
40%Multiplier40%
Same career, plus $15,000 CP+$23,000
Retirement Mountain · TSP over your lifetime
Separation TSP opens at 60 Age 18 38 60 90
10% to TSPWith CPCP year

BRS · 2026 DFAS pay · today's dollars · rough estimates

Setup · Investing 101

I don't even know where to start.

A quick six-step setup builds your profile. Pick your current years of service on a slider from 0 to 30, one year at a time.

  • Investing 101 explains the pension, the TSP, the match and the funds in plain English.
  • Its Continuation Pay section covers what CP is and whether to put it in the TSP, with official links for every branch.
Setup · Step 2 of 6Service
Years of service6
030
Investing 101
  • Start Here: The Big Idea
  • High-3 vs. BRS
  • Free Money: The TSP Match
  • Continuation Pay (BRS)
  • The TSP Funds

Example career: joins at E-1, reaches E-8 at 17 years and separates at 20 under BRS, with the default fund mix at a moderate return. Lifetime assumes joining at 18 and runs to about age 90. Every figure is a rough estimate in today's dollars, not a guarantee.

Build your own career tracks.

Your real path, your real numbers, side by side. Everything stays on your phone.

Download Free on the App Store

Free · $2 one-time unlock · No subscription