How Learn FERS keeps its math honest and its laws current.
This page is a preview. It walks you through what the Logic Layer does, why it matters, and what makes it different. Inside the platform, every calculator shows the formula behind its result and the statute it cites, and the full Sources catalog and change log are open to members. A 7-day money-back guarantee will apply at launch.
AI sources it. A human approves it. Then it ships.
Federal retirement rules change. Bend points reset every January. The IRS publishes new contribution limits. Congress occasionally rewrites whole pieces of the system. Our pipeline catches each change within days and never publishes an update without a human review.
Monitor
AI scans the Federal Register, OPM benefit notices, IRS notices, SSA COLA releases, Congress.gov, and tracker feeds. Monthly.
Draft
AI extracts the exact statute, effective date, and proposed update to every affected formula, tooltip, and lesson.
Verify
Each change is cross-checked against two or more independent sources, for example Pub. L. plus OPM guidance plus IRS Notice.
Human review
A human reviews citation accuracy, formula correctness, and educational framing. Nothing ships without sign-off.
Members
Publish
Calculators, tooltips, lessons, and the public Sources log update together. Members see a changelog.
Members
Real example · Social Security Fairness Act
Pub. L. 118-273ImplementedSocial Security Fairness Act · January 5, 2025
Pub. L. 118-273 was signed on January 5, 2025, repealing both the Windfall Elimination Provision and the Government Pension Offset for benefits payable after December 2023. Within a week our pipeline had updated the WEP/GPO calculator, the WEP/GPO tooltip, the relevant lesson, and the public Sources page. All sourced to the statute and dated. Members saw a changelog entry. CSRS retirees received actionable information.
Show the formula. Cite the law. Verify against multiple methodologies.
This is one of the few federal retirement tools on the planet that actually shows you the algorithms. Every calculation is statute-anchored. Every modelled assumption, including inflation, COLA, compounding, withdrawal rates, and life expectancy, is benchmarked against multiple published methodologies and best practices.
Audit trail · FERS Basic Annuity (preview)
Gross annual annuity
The product of the high-three average salary, years of creditable service, and the applicable multiplier.
Apply multiplier
Standard multiplier is 1.0%. Bumps to 1.1% for employees who retire at 62 or older with at least 20 years of creditable service.
Full formula and citation · Members
Members get the full Sources catalog, every formula with its citation, and the public change log.
Get on the waitlistFormula shown
Every calculator shows the formula behind its result and the statute it cites.
Multi-source verification
Each modelled assumption is validated against two or more independent methodologies.
Best-practice audit
Inflation, COLA, compounding, withdrawal rate, and life expectancy models benchmarked against peer-reviewed standards.
Statute-anchored
Every formula links to its underlying U.S.C., CFR, or IRS Notice citation. 17 laws tracked.
An assistant that reads your plan, then answers.
The AI assistant is not a generic chatbot. It reads everything you have saved in My Plan first, then answers questions in the context of your actual numbers: your years of service, your high-three, your TSP balance, your family situation, your retirement target.
Every answer cites the statute. The assistant explains rules and shows math. It does not recommend products, prescribe a claim date, or give tax advice. That is education, not advice, and that distinction is the whole point.
Included with Premium and Immersion plans.
Most retirement tools hide the math. We do not.
Retirement projection software usually locks the algorithms behind proprietary models with vague disclaimers. You enter inputs, you receive a chart, you trust the vendor.
When the engine is a black box, you cannot push back when it is wrong. When the source is missing, you cannot tell the projection from the pitch. Learn FERS makes the whole pipeline visible to every member. Law, formula, assumption, computation. All the time.
AI does the watching. Humans do the teaching.
We use AI for what AI is good at: scanning thousands of pages of federal-register filings every month, drafting change summaries, cross-referencing statutes, and proposing updates. Then we use humans for what humans are good at: judgment, teaching, and accountability. No AI-generated content reaches our members without a human reviewer signing off.
AI sources
Scan, draft, propose. Speed and breadth at federal-register scale.
Humans review
Accuracy, framing, and accountability. Every law change has a named reviewer before it ships.
Humans teach
Lessons are written by people and fact-checked against statute. The AI never writes the curriculum.
Want to see the Logic Layer in action?
Join the waitlist and we will let you know the moment full access is available. A 7-day money-back guarantee will apply at launch.