FedTools
FedTools offers a free catalogue of single-topic calculators for federal employees. It is useful when you want to work through one calculation at a time.
Retirement planning, compared
FedVetRetirement vs FedTools, RetireCiv, ClearToRetire, Boldin and advisor reviews (2026)
Federal employees and veterans often need more than a pension estimate: retirement income can include FERS, Social Security, VA benefits, healthcare costs and survivor decisions. This comparison summarizes publicly listed features and prices to help you decide which kind of planning support fits your household.
A clear-eyed comparison
How FedVet Pro compares
Compare the retirement-planning features and published prices side by side.
| Feature | FedVet Pro$129/yrThis product | FedToolsfree | RetireCiv$49.95/yr | ClearToRetire$2.99 on Apple | FedRetireSoftware$99–119/yr | Boldin PlannerPlus$144/yr | Free advisor benefits analysisfree; paid by a product sale |
|---|---|---|---|---|---|---|---|
| FERS pension and supplement | ✓ | ✓ | ✓ | ✓ | ✓ | partial(entered as a generic pension) | ✓ |
| Social Security claiming age comparison | ✓ | — | ✓ | ✓ | — | ✓ | partial |
| Medicare Part B and IRMAA | ✓ | partial(separate calculator) | — | ✓ | — | ✓ | partial |
| FEHB in retirement | ✓ | partial | — | ✓ | ✓ | — | ✓ |
| VA disability compensation | ✓ | — | — | ✓ | — | — | partial |
| CHAMPVA | ✓ | — | — | — | — | — | — |
| Survivor income (FERS election, SS survivor, DIC) | ✓ | — | ✓ | ✓ | ✓ | partial | ✓ |
| Strategy comparison ranked by lifetime net | ✓ | — | ✓ | partial(two years side by side) | — | ✓ | — |
| Best retirement date search | ✓ | ✓ | partial | — | — | — | — |
| PDF report and Excel export | ✓(both) | — | PDF only | PDF only | printed report | ✓ | PDF only |
| Year-by-year table re-run as official figures change | ✓ | — | — | — | — | ✓ | — |
| Published methodology and dated changelog | ✓ | — | — | — | — | — | — |
| Nothing to sell you afterward | ✓ | ✓(ads/newsletter) | ✓ | ✓ | ✓ | partial(sells advisory plans) | —(paid by annuity, insurance or AUM) |
Checked October 11, 2026 from each product's public pages. Tell us if something changed: support@fedvetretirement.com.
A check indicates a listed feature; “partial” means the narrower capability is noted where applicable. Confirm current details with each provider.
Different tools, different jobs
What each option does well
RetireCiv
RetireCiv is a federal retirement planner priced at $49.95 per year. Its planning tools focus on federal retirement decisions and projections.
ClearToRetire
ClearToRetire is an on-device FERS planner covering pension, TSP, Social Security and net income, with two-year comparisons side by side. Its Apple price is $2.99.
FedRetireSoftware
FedRetireSoftware provides federal retirement tools for desktop and web, with pension and FEHB reports. Its listed pricing ranges from $99 to $119 per year.
Boldin
Boldin PlannerPlus supports broader household-finance planning, including Social Security and tax scenario planning, at $144 per year. Boldin also offers a separate fee-only advisor option.
Free advisor benefits analysis
Some free benefits analyses provide personal guidance and help explaining benefit choices. This category is limited here to reviews paid for by a product sale, such as an annuity, insurance or assets-under-management relationship; that funding model does not describe every advisor.
Product features, prices and offerings may change. Review the linked provider pages for current information.