An independent, client-side retirement analytics tool built by a federal employee who couldn't find anything like it — and decided to build it.
HighThree was created by Alexander Hewitt. After struggling to find a tool that could answer a simple question — "What would I actually give up if I left federal service?" — he built one. Every formula is sourced from OPM, TSP.gov, and the IRS. Every assumption is visible and overridable. The goal is simple: give federal employees the same quality of quantitative insight that private-sector professionals take for granted when evaluating job changes.
This is not a product of a company, a consultancy, or an affiliate network. It's an independent project built to fill a gap in the tools available to the federal workforce.
To help federal employees make career decisions with numbers, not hunches. A FERS pension is one of the most valuable compensation instruments in the American workforce, yet most employees — and many private-sector recruiters — systematically undervalue it. HighThree makes the math transparent, adjustable, and exportable so you can defend your decisions with data.
HighThree runs entirely in your browser. There is no backend, no database, and no server. Your salary, pension projections, TSP balance, and every other input you enter never leave your device. The site doesn't use analytics, tracking pixels, or advertising networks. Your scenario is saved to your browser's localStorage — under your control, deletable at any time.
Every calculation is documented in the Methodology. No black boxes.
Your data never leaves your browser. No server, no database, no API calls. Read the Privacy Policy.
No affiliate links, no product recommendations, no lead generation. Just the math.
Questions, corrections, or feedback about the calculations or the tool are welcome.
contact@highthree.org →