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csrs & fers retirement calculator updated 8 13 2018 your annuity a defined benefit retirement plan is determined by the system you are in – csrs or fers years of service unused sick leave for both csrs and fers employees survivor annuity election and the benefits you elect to carry over to retirement all fers and some csrs retirees are also eligible to collect a social security benefit retirement withdrawal calculator for excel vertex42 taxes this spreadsheet doesn t include any tax calculations the main assumption with regard to taxes is that the interest is earned tax free within the retirement account that is usually a pretty good assumption but if you want to take taxes into account you can use a tax adjusted interest rate free annuity calculator for excel retirement annuity the annuity calculator on this page is based on the time value of money or "finance theory" definition of annuity by that definition an annuity is a series of fixed payments over a certain amount of time this annuity calculator was not designed to analyze an insurance annuity which can mean something entirely different from the finance theory definition dual real world retirement for professional retirement the dual real world retirement savings calculator is the retirement planning tool for professional retirement planning advisors and money managers financial planning software and personal finance software financial planning software personal finance software and investment software for consumers investors financial advisers and investment managers