Total Income Timeline
Pension, SRS, TSP, and Social Security, stacked year by year
Your Lifetime Income Timeline
Pension, SRS, TSP, and Social Security each start, grow, and stop on their own schedule; this chart stacks all four (and any second-career income) into one picture, from retirement through age 90.
This page combines every facet of the ATC Retirement section into one timeline, so the form below is long and can be intimidating. If you begin at Eligibility Dates and work your way through each page, you'll not only learn each topic as you go: by the time you get back here, nearly every field will already be filled in with your numbers.
Exempt from the age-56 separation (Operations Managers and other exempt roles)? Model working past 56 on the timing page →
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Where you stand at the retirement age set above.
Add your High-3 salary above to see your monthly income figures.
Enter your date of birth and entry-on-duty date to build your timeline.
Check your eligibility dates.
Stacked annual income from all sources. Hover for details.
Your balance at the start of each year, after withdrawals and growth. Hover for details.
| Age | Total Gross | Net | Pension | SRS | TSP | Social Security | Wages | TSP Balance |
|---|
- Social Security: the expected age-62 figure (derived from your statement and service when the field is blank) is indexed by the assumed COLA to your claiming age.
- Taxes: your flat rate, with at most 85% of Social Security taxable and only the traditional share of TSP withdrawals.
- TSP: withdrawals take your rate of the starting balance, raised by the COLA each year, until the balance runs out. RMDs are marked, not enforced: from age 73 the IRS may require more.
- Second career: wages and the exempt amount both ride the assumed COLA; wages pay 7.65% FICA plus your flat rate; the earnings test withholds $1 per $2 over the limit (SRS from the MRA to 62, Social Security before the FRA of 67). SSA's later give-back, the gentler FRA-year limit, and OPM's one-year reporting lag are not modeled.
How to read this chart
Three ages do all the work (a second career adds a fourth). Everything between them is COLA drift.
- Retirement to 62: Your pension, SRS, and TSP carry you. SRS stands in for Social Security until you can claim it. How the SRS works →
- 57, if you're working: your MRA. A second-career paycheck is test-free until here; from 57 until the SRS ends, each $2 of wages over the exempt amount withholds $1 of SRS, and the chart takes that bite for you. Your pension is never touched. The earnings test →
- 62: SRS stops no matter what. Claim Social Security later and you get a dip between the gold and blue bands: that gap comes out of TSP or savings. When to claim →
- 73: Required minimum distributions (RMDs) kick in. The IRS forces minimum TSP withdrawals whether you need the income or not. The charts mark the age but keep your chosen withdrawal schedule. If that falls short of the required minimum, your real withdrawals (and taxes) run higher. TSP for controllers →