PS pension module: optional federal PSSA engine + UI (PSPC-accurate, EN/FR)

site/app.js

@@ -4,7 +4,7 @@
    (fmtMoney/fmtMoneyK/fmtMoney2/fmtInt/fmtPct) so every number follows the active locale. */
 'use strict';
 (function () {
-  var E = window.RetireEngine, C = window.RetireCanada;
+  var E = window.RetireEngine, C = window.RetireCanada, PS = window.RetirePS;
   var LS = 'retire-planner-v1';
   var $ = function (s) { return document.querySelector(s); };
   /* locale-aware aliases (i18n.js globals) — chart/table code below stays untouched in shape */
@@ -51,6 +51,8 @@
       retireAge: 65, spendingAnnual: 50000,
       cppStartAge: 65, oasStartAge: 65,
       pensionAnnual: 0, rentalAnnual: 0, otherAnnual: 0,
+      psPension: false, psJoinYear: null, psServiceYears: null, psAvgSalary: null,
+      psOccupation: null, psItLevel: null, psItStep: 0,
       realReturnPre: 3.5, realReturnPost: 2.5, inflation: 2.0, lifeExp: 95,
       interests: []
     };
@@ -89,8 +91,37 @@
       realReturnPre: (+a.realReturnPre) / 100, realReturnPost: (+a.realReturnPost) / 100,
       inflation: (+a.inflation) / 100, lifeExp: +a.lifeExp
     };
+    /* Optional federal public service pension (PSSA): when enabled, it
+     * replaces the manual DB-pension input and feeds pensionAnnual /
+     * pensionStartAge / pensionBridgeAnnual into the engine. Recomputed for
+     * the effective retireAge so what-if scenarios stay accurate. */
+    var ps = psCompute(p.retireAge);
+    if (ps) {
+      p.pensionAnnual = ps.pensionAtRetirement;
+      p.pensionStartAge = ps.startAge;
+      p.pensionBridgeAnnual = ps.bridge;
+    } else {
+      p.pensionStartAge = 0; p.pensionBridgeAnnual = 0;
+    }
     return p;
   }
+  function psOn() { return !!state.a.psPension; }
+  function psAugment(p) {  /* re-derive PS pension for a scenario's retireAge */
+    var ps = psCompute(p.retireAge);
+    if (ps) { p.pensionAnnual = ps.pensionAtRetirement; p.pensionStartAge = ps.startAge; p.pensionBridgeAnnual = ps.bridge; }
+    return p;
+  }
+  function psCompute(retireAge) {
+    var a = state.a;
+    if (!a.psPension || typeof PS === 'undefined') return null;
+    var avg = +a.psAvgSalary || 0;
+    if (!avg) return null;
+    return PS.computePSPension({
+      joinYear: +a.psJoinYear || 0, retireAge: retireAge,
+      serviceYears: +a.psServiceYears || 0, avgSalary: avg,
+      ampe: (typeof CANADA !== 'undefined' && CANADA.ympe && CANADA.ympe.value) || 74600
+    });
+  }
 
   /* ---------- formatting (i18n.js: Intl.NumberFormat, locale-aware) ---------- */
   function pct2(v) { return fmtPct(v / 100, 2); }   /* slider values arrive as plain numbers: 3.5 → 3.5% */
@@ -173,6 +204,70 @@
       type: 'opts', opts: [[65, '65', 'q.oasstart.os65'], [70, '70', 'q.oasstart.os70']],
       get: function () { return state.a.oasStartAge; }, set: function (v) { state.a.oasStartAge = +v; }
     },
+    {
+      key: 'ps', titleK: 'q.ps.title', hintK: 'q.ps.hint', type: 'opts',
+      opts: [['yes', 'q.ps.yes', 'q.ps.yesD'], ['no', 'q.ps.no', 'q.ps.noD']],
+      get: function () { return state.a.psPension ? 'yes' : 'no'; },
+      set: function (v) { state.a.psPension = v === 'yes'; }
+    },
+    {
+      key: 'ps_join', show: psOn, titleK: 'q.ps_join.title', hintK: 'q.ps_join.hint', type: 'number', min: 1950, max: 2026,
+      get: function () { return state.a.psJoinYear; }, set: function (v) { state.a.psJoinYear = +v; }
+    },
+    {
+      key: 'ps_service', show: psOn, titleK: 'q.ps_service.title', hintK: 'q.ps_service.hint', type: 'number', min: 0, max: 45,
+      get: function () { return state.a.psServiceYears; }, set: function (v) { state.a.psServiceYears = +v; }
+    },
+    {
+      key: 'ps_salary', show: psOn, titleK: 'q.ps_salary.title',
+      hint: function () {
+        var r = state.a.psItLevel && PS && PS.itRange(state.a.psItLevel);
+        if (r) return t('q.ps_salary.hintIt', { lo: fmtMoneyK(r.min), hi: fmtMoneyK(r.top), asof: r.asof });
+        return t('q.ps_salary.hint');
+      },
+      type: 'number', min: 0, max: 1e6, money: true,
+      get: function () { return state.a.psAvgSalary; }, set: function (v) { state.a.psAvgSalary = +v; }
+    },
+    {
+      key: 'ps_occ', show: psOn, titleK: 'q.ps_occ.title', hintK: 'q.ps_occ.hint', type: 'opts',
+      opts: [['it', 'q.ps_occ.it', 'q.ps_occ.itD'], ['other', 'q.ps_occ.other', 'q.ps_occ.otherD']],
+      get: function () { return state.a.psOccupation; }, set: function (v) { state.a.psOccupation = v; }
+    },
+    {
+      key: 'ps_it', show: function () { return psOn() && state.a.psOccupation === 'it'; },
+      titleK: function () {
+        return state.a.psItLevel && state.a.psItLevel !== 'none'
+          ? t('q.ps_it.stepTitle', { level: state.a.psItLevel }) : t('q.ps_it.title');
+      },
+      hint: function () {
+        var r = state.a.psItLevel && state.a.psItLevel !== 'none' && PS.itRange(state.a.psItLevel);
+        if (r) return t('q.ps_it.stepHint', { lo: fmtMoneyK(r.min), hi: fmtMoneyK(r.top), asof: r.asof });
+        return t('q.ps_it.hint', { asof: PS.IT_RATES_ASOF });
+      },
+      type: 'opts',
+      opts: function () {
+        if (state.a.psItLevel && state.a.psItLevel !== 'none') {
+          var r = PS.itRange(state.a.psItLevel);
+          return r.steps.map(function (v, i) { return [String(i + 1), fmtMoney(v), i === 0 ? 'q.ps_it.stepMin' : (i === r.steps.length - 1 ? 'q.ps_it.stepTop' : '')]; });
+        }
+        return PS.IT_LEVELS.map(function (lv) {
+          return [lv.id, lv.id, function () { var r = PS.itRange(lv.id); return fmtMoneyK(r.min) + ' – ' + fmtMoneyK(r.top); }];
+        }).concat([['none', 'q.ps_it.skip', 'q.ps_it.skipD']]);
+      },
+      get: function () {
+        if (state.a.psItLevel && state.a.psItLevel !== 'none' && state.a.psItStep) return String(state.a.psItStep);
+        return state.a.psItLevel || '';
+      },
+      set: function (v) {
+        if (state.a.psItLevel && state.a.psItLevel !== 'none' && /^\d+$/.test(v)) {
+          var r = PS.itRange(state.a.psItLevel);
+          state.a.psItStep = +v;
+          state.a.psAvgSalary = r.steps[+v - 1];   /* step value = 5-yr average proxy */
+        } else {
+          state.a.psItLevel = v; state.a.psItStep = 0;
+        }
+      }
+    },
     {
       key: 'extra', titleK: 'q.extra.title', hintK: 'q.extra.hint', type: 'fields', fields: [
         { labelK: 'q.extra.pension', key: 'pensionAnnual' }, { labelK: 'q.extra.rental', key: 'rentalAnnual' }, { labelK: 'q.extra.other', key: 'otherAnnual' }
@@ -219,15 +314,18 @@
     btnNext.textContent = state.step === vs.length - 1 ? t('quiz.seePlan') : t('quiz.next');
 
     var hintTxt = typeof s.hint === 'function' ? s.hint() : (s.hintK ? t(s.hintK) : '');
-    var h = '<h2>' + t(s.titleK) + '</h2>' + (hintTxt ? '<p class="hint">' + hintTxt + '</p>' : '');
+    var titleTxt = typeof s.titleK === 'function' ? s.titleK() : t(s.titleK);
+    var optList = typeof s.opts === 'function' ? s.opts() : s.opts;
+    var h = '<h2>' + titleTxt + '</h2>' + (hintTxt ? '<p class="hint">' + hintTxt + '</p>' : '');
 
     if (s.type === 'grid') {
-      h += '<div class="opts">' + s.opts.map(function (o) {
+      h += '<div class="opts">' + optList.map(function (o) {
         return '<button class="opt' + (s.get() === o[0] ? ' sel' : '') + '" data-v="' + o[0] + '">' + t(o[1]) + '</button>';
       }).join('') + '</div>';
     } else if (s.type === 'opts') {
-      h += '<div class="opts">' + s.opts.map(function (o) {
-        return '<button class="opt' + (String(s.get()) === String(o[0]) ? ' sel' : '') + '" data-v="' + o[0] + '">' + t(o[1]) + (o[2] ? '<small>' + t(o[2]) + '</small>' : '') + '</button>';
+      h += '<div class="opts">' + optList.map(function (o) {
+        var d = o[2] ? (typeof o[2] === 'function' ? o[2]() : t(o[2])) : '';
+        return '<button class="opt' + (String(s.get()) === String(o[0]) ? ' sel' : '') + '" data-v="' + o[0] + '">' + t(o[1]) + (d ? '<small>' + d + '</small>' : '') + '</button>';
       }).join('') + '</div>';
     } else if (s.type === 'chips') {
       var cur = s.get() || [];
@@ -238,6 +336,11 @@
       h += '<div class="fld"><input type="number" id="f1" value="' + (s.get() == null ? '' : s.get()) + '" min="' + (s.min != null ? s.min : 0) + '" max="' + (s.max != null ? s.max : 1e9) + '" inputmode="numeric" ' + (s.money ? 'placeholder="0"' : 'placeholder="' + fmtInt(s.max) + '"') + '></div>';
     } else if (s.type === 'fields') {
       h += s.fields.map(function (f, i) {
+        if (f.key === 'pensionAnnual' && psOn()) {
+          var pr = psCompute(+state.a.retireAge);
+          return '<div class="fld"><label>' + t(f.labelK) + '</label><p class="hint" style="margin:4px 0 0">' +
+            t('q.extra.psNote', { v: pr ? money(pr.pensionAtRetirement) + t('unit.yr') : t('q.extra.psNotePending') }) + '</p></div>';
+        }
         return '<div class="fld"><label>' + t(f.labelK) + ' <span class="unit">' + t('fields.unit') + '</span></label><input type="number" id="f' + (i + 1) + '" data-k="' + f.key + '" value="' + (s.get(f.key) == null ? '' : s.get(f.key)) + '" min="0" inputmode="numeric" placeholder="0"></div>';
       }).join('');
     } else if (s.type === 'slider') {
@@ -319,6 +422,7 @@
 
     var ins;
     if (proj.depletionAge) ins = t('i.depletion', { age: proj.depletionAge });
+    else if (psCoverageInsight(p, proj)) ins = psCoverageInsight(p, proj);
     else if (p.cppStartAge < 65) ins = t('i.cppEarly', { age: p.cppStartAge });
     else if (p.oasStartAge >= 70) ins = t('i.oasLate', { age: p.oasStartAge });
     else if (p.province === 'QC') ins = t('i.qc');
@@ -392,7 +496,7 @@
     $(sel).innerHTML = chartH(sel) + (inner || '') + (legendItems ? legend(legendItems) : '');
   }
 
-  var COL = { bal: '#2563eb', cpp: '#2563eb', oas: '#dc2626', gis: '#f59e0b', wdr: '#10b981', cash: '#0ea5e9', need: '#dc2626' };
+  var COL = { bal: '#2563eb', cpp: '#2563eb', oas: '#dc2626', gis: '#f59e0b', wdr: '#10b981', cash: '#0ea5e9', need: '#dc2626', ps: '#7c3aed' };
 
   function g1_balance(proj) {
     var yrs = proj.years, ages = yrs.map(function (r) { return r.age; });
@@ -421,9 +525,12 @@
     var series = [
       [t('g2.cpp'), COL.cpp, yrs.map(function (r) { return r.cpp; })],
       [t('g2.oas'), COL.oas, yrs.map(function (r) { return Math.max(0, r.oasGross - r.oasClawback); })],
-      [t('g2.gis'), COL.gis, yrs.map(function (r) { return r.gis; })],
-      [t('g2.savings'), COL.wdr, yrs.map(function (r) { return r.rrifWithdrawal + r.nonregW + r.tfsaW; })]
+      [t('g2.gis'), COL.gis, yrs.map(function (r) { return r.gis; })]
     ];
+    if (yrs.some(function (r) { return (r.pension || 0) > 0; })) {
+      series.push([t('g2.psPension'), COL.ps, yrs.map(function (r) { return r.pension || 0; })]);
+    }
+    series.push([t('g2.savings'), COL.wdr, yrs.map(function (r) { return r.rrifWithdrawal + r.nonregW + r.tfsaW; })]);
     var n = ages.length, tot = [], i, acc;
     for (i = 0; i < n; i++) tot[i] = series.reduce(function (s, se) { return s + se[2][i]; }, 0);
     var ymax = Math.max(1000, Math.max.apply(null, tot) * 1.08), Y = sy(ymax);
@@ -464,7 +571,7 @@
       var scen = [
         [t('g4.s0'), p],
         [t('g4.s1'), Object.assign({}, p, { monthlyContribution: p.monthlyContribution + 200, employerMatchMonthly: p.employerMatchMonthly })],
-        [t('g4.s2'), Object.assign({}, p, { retireAge: Math.min(p.retireAge + 2, 75) })],
+        [t('g4.s2'), psAugment(Object.assign({}, p, { retireAge: Math.min(p.retireAge + 2, 75) }))],
         [t('g4.s3'), Object.assign({}, p, { cppStartAge: 70 })]
       ];
       var res = scen.map(function (s) { return [s[0], E.sustainableSpending(s[1]).annual]; });
@@ -545,6 +652,60 @@
     el.innerHTML = '<div class="vcap"><b>' + t('vision.label', { slug: slug.replace(/^\w/, function (c) { return c.toUpperCase(); }) }) + '</b><br>' + cap + '</div>';
   }
 
+  /* ---------- public service pension: insight + results card ---------- */
+  function psCoverageInsight(p) {
+    if (!psOn()) return null;
+    var ps = psCompute(p.retireAge);
+    if (!ps || !(p.spendingAnnual > 0)) return null;
+    var pct = Math.round(100 * ps.pensionAtRetirement / p.spendingAnnual);
+    if (pct < 10 || pct > 250) return null;
+    return t('i.psCover', { pct: fmtInt(pct) });
+  }
+  function renderPsCard(p) {
+    var el = $('#ps-card'); if (!el) return;
+    var ps = psCompute(p.retireAge);
+    if (!ps) { el.hidden = true; el.innerHTML = ''; return; }
+    el.hidden = false;
+    var m = fmtMoney2, S = PS.SOURCES, ampe = C.ympe.value;
+    var rows = [
+      [t('ps.card.group', { n: ps.group }), ''],
+      [t('ps.card.service', { y: fmtInt(ps.serviceCapped) }), ''],
+      [t('ps.card.avg'), m(+state.a.psAvgSalary || 0) + t('unit.yr')],
+      [t('ps.card.ampe', { v: m(ampe), y: C.ympe.year || 2026 }), ''],
+      [t('ps.card.lifetime'), m(ps.lifetime) + t('unit.yr')]
+    ];
+    if (ps.bridge > 0) rows.push([t('ps.card.bridge'), m(ps.bridge) + t('unit.yr')]);
+    rows.push([t('ps.card.reduction', {
+      pct: fmtPct(ps.reductionPct, 1),
+      f: ps.reductionPct === 0 ? t('ps.card.none') : t(ps.formula === 'F1' ? 'ps.card.fF1' : ps.formula === 'F2' ? 'ps.card.fF2' : 'ps.card.fMin')
+    }), '']);
+    rows.push(['<b>' + t('ps.card.atRet', { age: fmtInt(ps.startAge) }) + '</b>', '<b>' + m(ps.pensionAtRetirement) + t('unit.yr') + ' · ' + m(ps.pensionAtRetirement / 12) + t('unit.mo') + '</b>']);
+    rows.push(['<b>' + t('ps.card.from65') + '</b>', '<b>' + m(ps.pensionFrom65) + t('unit.yr') + ' · ' + m(ps.pensionFrom65 / 12) + t('unit.mo') + '</b>']);
+    var h = '<div class="chart-h"><b>' + t('ps.card.title') + '</b></div><div class="tbl-wrap"><table class="cards">' +
+      rows.map(function (r) { return '<tr><td>' + r[0] + '</td><td>' + r[1] + '</td></tr>'; }).join('') + '</table></div>';
+    var notes = [];
+    if (ps.notes.indexOf('lt2') >= 0) notes.push(t('ps.card.lt2'));
+    if (ps.earlyOnlyNote === 'deferredG2') notes.push(t('ps.card.deferred'));
+    if (ps.notes.indexOf('f1Under50') >= 0) notes.push(t('ps.card.under50'));
+    if (ps.notes.indexOf('f1Under55') >= 0) notes.push(t('ps.card.under55'));
+    if (ps.startAge < 65 && ps.bridge > 0) notes.push(t('ps.card.bridgeEnds'));
+    notes.push(t('ps.card.nSurvivor'));
+    notes.push(t('ps.card.nIndex'));
+    notes.push(t('ps.card.nPartTime'));
+    notes.push(t('ps.card.nSplit'));
+    h += '<p class="cap">' + notes.join(' ') + '</p>';
+    var asOf = C.asOf, dPspc = '2025-08-15';
+    h += '<p class="cap">' + t('ps.card.sources') + ' ' +
+      '<a href="' + (ps.group === 1 ? S.g1En : S.g2En) + '" rel="noopener" target="_blank">' + t('ps.card.srcPspc', { d: dPspc }) + '</a> · ' +
+      '<a href="' + S.atAGlanceEn + '" rel="noopener" target="_blank">' + t('ps.card.srcGlance') + '</a> · ' +
+      '<a href="' + S.glossaryEn + '" rel="noopener" target="_blank">' + t('ps.card.srcGloss') + '</a> · ' +
+      '<a href="' + S.splittingCra + '" rel="noopener" target="_blank">' + t('ps.card.srcCra') + '</a> · ' +
+      '<a href="' + S.ympeCra + '" rel="noopener" target="_blank">' + t('ps.card.srcYmpe', { v: m(ampe), y: C.ympe.year || 2026 }) + '</a>' +
+      (state.a.psItLevel && state.a.psItLevel !== 'none' ? ' · <a href="' + S.itAgreement + '" rel="noopener" target="_blank">' + t('ps.card.srcIt', { d: PS.IT_RATES_ASOF }) + '</a>' : '') +
+      ' · <span>' + t('ps.card.dataAsOf', { d: asOf }) + '</span></p>';
+    el.innerHTML = h;
+  }
+
   /* ---------- results ---------- */
   function renderResults(fast) {
     var p = inputs(), proj = E.project(p), rec;
@@ -580,6 +741,7 @@
     $('#gap-cards').innerHTML = cards;
 
     g1_balance(proj); g2_income(proj, p); g3_cash(proj); g4_bars(p, fast);
+    renderPsCard(p);
 
     var tbl = '<tr><th>' + t('t.age') + '</th><th>' + t('t.rrsp') + '</th><th>' + t('t.tfsa') + '</th><th>' + t('t.nonreg') + '</th><th>' + t('t.total') + '</th><th>' + t('t.wdr') + '</th><th>' + t('t.cpp') + '</th><th>' + t('t.oas') + '</th><th>' + t('t.gis') + '</th><th>' + t('t.tax') + '</th><th>' + t('t.unfunded') + '</th></tr>';
     var n = 0;

site/engine/engine.js

@@ -166,6 +166,8 @@
     cppStartAge: 65, cppOverrideMonthlyAt65: 0, oasStartAge: 65,
     rrspWithdrawalOverrideAnnual: 0,
     pensionAnnual: 0, rentalAnnual: 0, otherAnnual: 0,
+    pensionStartAge: 0,           // 0 = defaults to retireAge (public-service pension)
+    pensionBridgeAnnual: 0,       // pre-65 bridge benefit, ends at 65 (PSPC)
     realReturnPre: 0.035, realReturnPost: 0.025, inflation: 0.02, lifeExp: 95
   };
   function fillDefaults(inp) {
@@ -175,13 +177,31 @@
     return o;
   }
 
+  /* ---- Public-service pension: start age & bridge benefit ----
+   * pensionStartAge: pension income pays from max(retireAge, pensionStartAge)
+   * (0 = not set → starts at retirement, legacy behaviour).
+   * Bridge benefit is a term annuity payable from start to the 65th birthday. */
+  function pensionStartAge(p) { return Math.max(p.retireAge, +p.pensionStartAge || 0); }
+  function pensionBridgeAnnual(p, selfAge) {
+    var b = +p.pensionBridgeAnnual || 0;
+    if (!b) return 0;
+    return (selfAge >= pensionStartAge(p) && selfAge < 65) ? b : 0;
+  }
+
   /* ---- Core year-by-year projection (single person) ---- */
   function projectSingle(p) {
     var at65 = p.cppOverrideMonthlyAt65 > 0 ? p.cppOverrideMonthlyAt65 : estimateCppMonthlyAt65(p.income, p.age);
     var rrsp = Math.max(0, p.rrsp), tfsa = Math.max(0, p.tfsa), nonreg = Math.max(0, p.nonreg);
     var years = [], depletionAge = null, totalTax = 0, totalClawback = 0, nestEgg = null;
     var end = Math.ceil(p.lifeExp);
-    var other0 = (p.pensionAnnual || 0) + (p.rentalAnnual || 0) + (p.otherAnnual || 0);
+    var rentalOther = (p.rentalAnnual || 0) + (p.otherAnnual || 0);
+    var psStart = pensionStartAge(p);   // pension income starts here
+    function penAt(a) {                 // pension + bridge payable at age a
+      var v = 0;
+      if (a >= psStart) v += (p.pensionAnnual || 0);
+      v += pensionBridgeAnnual(p, a);   // 0 at/after 65, 0 before psStart
+      return v;
+    }
 
     for (var a = p.age; a < end; a++) {
       var row = { age: a };
@@ -189,7 +209,7 @@
         rrsp = rrsp * (1 + p.realReturnPre) + 12 * ((p.monthlyContribution || 0) + (p.employerMatchMonthly || 0));
         tfsa = tfsa * (1 + p.realReturnPre);
         nonreg = nonreg * (1 + p.realReturnPre);
-        row.phase = 'accum'; row.cpp = 0; row.oasGross = 0; row.oasClawback = 0; row.gis = 0; row.other = 0;
+        row.phase = 'accum'; row.cpp = 0; row.oasGross = 0; row.oasClawback = 0; row.gis = 0; row.other = 0; row.pension = 0;
         row.rrifWithdrawal = 0; row.nonregW = 0; row.tfsaW = 0; row.taxable = 0; row.tax = 0;
         row.cash = 0; row.need = 0; row.unfunded = 0;
         row.rrspBal = rrsp; row.tfsaBal = tfsa; row.nonregBal = nonreg; row.totalBal = rrsp + tfsa + nonreg;
@@ -203,6 +223,7 @@
       var rrifMin = a >= 71 ? rrifMinPct(a) / 100 * rrspJan : 0;
       var cpp = cppMonthlyAt(a, p.cppStartAge, at65) * 12;
       var oasGross = oasMonthlyAt(a, p.oasStartAge) * 12;
+      var other0 = rentalOther + penAt(a);
       var pre = cpp + oasGross + other0;
       var need = p.spendingAnnual;
 
@@ -210,7 +231,7 @@
       function solve(W) {
         W = Math.min(Math.max(W, 0), rrspJan);
         var taxable1 = pre + W;
-        var opts1 = { pensionIncome: (p.pensionAnnual || 0) + (a >= 65 ? W : 0) };
+        var opts1 = { pensionIncome: (a >= 65 && a >= psStart ? (p.pensionAnnual || 0) : 0) + (a >= 65 ? W : 0) };
         var t1 = tax(taxable1, p.province, a, opts1);
         var c1 = clawback(taxable1);
         var g = gis(taxable1 - oasGross, 'single');
@@ -267,6 +288,7 @@
       totalTax += r.tax.total; totalClawback += r.cw;
       row.phase = 'draw';
       row.cpp = cpp; row.oasGross = oasGross; row.oasClawback = r.cw; row.gis = r.gis; row.other = other0;
+      row.pension = penAt(a);   // pension + bridge only (for chart breakdown)
       row.rrifWithdrawal = r.W; row.nonregW = r.n; row.tfsaW = r.t;
       row.taxable = r.taxable; row.tax = r.tax.total; row.cash = Math.min(r.cash, need);
       row.need = need; row.unfunded = unfunded;
@@ -310,12 +332,18 @@
         rrspBal: ra.rrspBal + rb.rrspBal, tfsaBal: ra.tfsaBal + rb.tfsaBal, nonregBal: ra.nonregBal + rb.nonregBal
       };
       row.totalBal = row.rrspBal + row.tfsaBal + row.nonregBal;
+      row.pension = (ra.pension || 0) + (rb.pension || 0);   // chart breakdown (life pension + bridge)
       row.need = ra.need + rb.need;
       var taxSum = ra.tax + rb.tax, clawSum = ra.oasClawback + rb.oasClawback;
       row.taxable = ra.taxable + rb.taxable;
-      // Pension income splitting (both 65+): split pension+RRIF 50/50, keep the cheaper total.
-      if (ra.phase === 'draw' && rb.phase === 'draw' && yr >= 65 && (ra.age >= 65 && rb.age >= 65)) {
-        var pa = (me.pensionAnnual || 0) + ra.rrifWithdrawal, pb2 = (partnerInp.pensionAnnual || 0) + rb.rrifWithdrawal;
+      // Pension income splitting (CRA): a life annuity from a superannuation plan is
+      // splittable at ANY age once payable (pensionStartAge); RRIF withdrawals only at
+      // 65+. The bridge benefit (term annuity) is excluded — documented modelling
+      // choice. Split 50/50 the eligible amounts, keep the cheaper total.
+      if (ra.phase === 'draw' && rb.phase === 'draw') {
+        var psA = pensionStartAge(me), psB = pensionStartAge(partnerInp);
+        var pa = ((me.pensionAnnual > 0 && psA <= yr) ? me.pensionAnnual : 0) + (yr >= 65 ? ra.rrifWithdrawal : 0);
+        var pb2 = ((partnerInp.pensionAnnual > 0 && psB <= yr) ? partnerInp.pensionAnnual : 0) + (yr >= 65 ? rb.rrifWithdrawal : 0);
         var shift = 0.5 * (pa - pb2);
         if (Math.abs(shift) > 1) {
           var tA = tax(ra.taxable - shift, p.province, yr, { pensionIncome: pa - shift });
@@ -415,6 +443,8 @@
     project: project,
     sustainableSpending: sustainableSpending,
     recommendations: recommendations,
+    pensionStartAge: pensionStartAge,
+    pensionBridgeAnnual: pensionBridgeAnnual,
     defaults: DEFAULTS,
     constants: C
   };

site/engine/pspension.js

@@ -0,0 +1,200 @@
+/* ============================================================================
+ * pspension.js — Optional federal public service pension (PSSA) module.
+ *
+ * Implements the PSPC-published formula for members with 2+ years of
+ * pensionable service (contributed to the pension):
+ *
+ *   Lifetime annual   = 1.375% × min(avg5, AMPE) × min(S, 35)
+ *                     + 2%     × max(0, avg5 − AMPE) × min(S, 35)
+ *   Bridge benefit    = 0.625% × min(avg5, AMPE) × min(S, 35)   (pre-65 only;
+ *                     payable from retirement, ends at the start of the month
+ *                     of the 65th birthday — coincides with CPP/D coverage)
+ *   Total pre-65      = 2% × avg5 × min(S, 35)
+ *
+ * avg5  = average salary over the 5 consecutive years of highest paid service
+ *         (modelled as the user-entered figure; AMPE = Average Maximum
+ *         Pensionable Earnings — indexed to YMPE, 100% of YMPE since 2010;
+ *         we use the current YMPE from canada.js as a real-dollar proxy).
+ * S     = years of recognised pensionable service, capped at 35.
+ *
+ * Early-reduction (annual allowance) decision tree — Group 1 (joined on/after
+ * 1999-04-01 and before 2013-01-01; payable from 50):
+ *   unreduced if (age ≥ 60 and S ≥ 2) or (age ≥ 55 and S ≥ 30);
+ *   F1 (S < 25):  5% × (60 − age)
+ *   F2 (S ≥ 25):  max( 5% × (55 − age), 5% × (30 − S) )
+ *   age ≥ 55 with S ≥ 25: apply the LOWER of F1 and F2 (PSPC page);
+ *   leaving before 50: F1 with age pinned at 50 → 50% reduction cap.
+ * Group 2 (joined on/after 2013-01-01; payable from 55):
+ *   unreduced if (age ≥ 65 and S ≥ 2) or (age ≥ 60 and S ≥ 30);
+ *   F1 (S < 25):  5% × (65 − age)
+ *   F2 (S ≥ 25):  max( 5% × (60 − age), 5% × (30 − S) )
+ *   age ≥ 60 with S ≥ 25: apply the LOWER of F1 and F2;
+ *   leaving before 55: F1 pinned at 55 → 50%; the planner models the
+ *   PSPC-default path: deferred annuity, unreduced, payable at 65.
+ * Reduction applies to the WHOLE pension (lifetime + bridge); ages/service
+ * to the nearest tenth of a year. Under 2 years of service: return of
+ * contributions only (no pension).
+ *
+ * Sources verified 2026-02 (constants re-checked verbatim, page dated 2025-08-15).
+ * UMD: window.RetirePS in the browser, module.exports in Node.
+ * ==========================================================================*/
+(function (root, factory) {
+  if (typeof module !== 'undefined' && module.exports) module.exports = factory();
+  else root.RetirePS = factory();
+})(typeof self !== 'undefined' ? self : this, function () {
+  'use strict';
+
+  var PCT_LOW = 0.01375;    // 1.375% — career average up to AMPE
+  var PCT_HIGH = 0.02;      // 2%     — career average above AMPE
+  var BRIDGE_PCT = 0.00625; // 0.625% — bridge benefit (pre-65), up to AMPE only
+  var MAX_SERVICE = 35;     // pensionable-service cap
+  var EARLY_PCT = 0.05;     // 5% per year (or part-year, to the tenth)
+  var GROUP1_CUTOFF_YEAR = 2012; // joined on/before 2012-12-31 → Group 1
+  var MAX_REDUCTION = 0.5;  // 50% cap (F1 at the earliest payable age)
+
+  /* IT (Indian and Northern Government Services) annual rates of pay,
+   * TBS "IT" collective agreement, Appendix A, wage-adjustment row
+   * effective 2024-12-22. Overridable: the UI exposes these as defaults. */
+  var IT_RATES_ASOF = '2024-12-22';
+  var IT_RATES_SOURCE = 'https://www.canada.ca/en/treasury-board-secretariat/topics/pay/collective-agreements/it.html';
+  var IT_LEVELS = [
+    { id: 'IT-01', steps: [69361, 71925, 74485, 77031, 79574, 82120, 84661, 89382] },
+    { id: 'IT-02', steps: [85854, 88603, 91348, 94095, 96844, 99589, 102335, 105080] },
+    { id: 'IT-03', steps: [101343, 104833, 108324, 111817, 115306, 118791, 122281, 125914] },
+    { id: 'IT-04', steps: [116037, 120038, 124039, 128039, 132039, 136041, 140039, 144434] },
+    { id: 'IT-05', steps: [133582, 138563, 143539, 148520, 153503, 158485, 163465, 168446, 174076] }
+  ];
+
+  var SOURCES = {
+    g1En: 'https://www.canada.ca/en/public-services-procurement/services/pay-pension/public-service-pension-plan/retired/entitlement-information-packages/2-more-years-pensionable-service/member-on-before-december-31-2012.html',
+    g1Fr: 'https://www.canada.ca/fr/services-publics-approvisionnement/services/paye-pension/regime-retraite-fonction-publique/retraite/trousse-information-presentations/2-ans-plus-service-ouvrant-droit-pension/participant-31-decembre-2012-ou-avant.html',
+    g2En: 'https://www.canada.ca/en/public-services-procurement/services/pay-pension/public-service-pension-plan/retired/entitlement-information-packages/2-more-years-pensionable-service/member-on-after-january-1-2013.html',
+    g2Fr: 'https://www.canada.ca/fr/services-publics-approvisionnement/services/paye-pension/regime-retraite-fonction-publique/retraite/trousse-information-presentations/2-ans-plus-service-ouvrant-droit-pension/participant-1er-janvier-2013-ou-apres.html',
+    glossaryEn: 'https://www.canada.ca/en/treasury-board-secretariat/services/pension-plan/plan-information/glossary.html',
+    atAGlanceEn: 'https://www.canada.ca/en/treasury-board-secretariat/services/pension-plan/plan-information/public-service-pension-glance.html',
+    ympeCra: 'https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/payroll-deductions-contributions/canada-pension-plan-cpp/cpp-enhancement.html',
+    splittingCra: 'https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/pension-income-splitting.html',
+    itAgreement: IT_RATES_SOURCE
+  };
+
+  function tenth(x) { return Math.round(x * 10) / 10; }
+  function round2(x) { return Math.round(x * 100) / 100; }
+
+  /* 1 | 2 from the year the member joined the federal public service. */
+  function psGroup(joinYear) {
+    var y = +joinYear;
+    if (!y) return null;
+    return y <= GROUP1_CUTOFF_YEAR ? 1 : 2;
+  }
+
+  function itLevel(id) {
+    for (var i = 0; i < IT_LEVELS.length; i++) if (IT_LEVELS[i].id === id) return IT_LEVELS[i];
+    return null;
+  }
+  function itRange(id) {
+    var lv = itLevel(id);
+    if (!lv) return null;
+    return { min: lv.steps[0], top: lv.steps[lv.steps.length - 1], steps: lv.steps, asof: IT_RATES_ASOF };
+  }
+
+  /* Early-reduction (annual allowance) per the PSPC decision tree.
+   * Returns { unreduced, pct, formula: 'F1'|'F2'|'min(F1,F2)'|null, note }
+   * with pct in [0, 0.5]; ages/service to the nearest tenth (PSPC).
+   * note keys: 'unreduced' | 'f1Under50' | 'f1Under55' (fixed-age rules). */
+  function psEarlyReduction(group, retireAge, serviceYears) {
+    var age = tenth(+retireAge), S = tenth(+serviceYears);
+    var g = +group === 2 ? 2 : 1;
+    var R = function (pct, formula, unreduced, note) {
+      return { unreduced: !!unreduced, pct: pct, formula: formula, note: note || null };
+    };
+    if (g === 1) {
+      if (age >= 60 || (age >= 55 && S >= 30)) return R(0, null, true, 'unreduced');
+      var f1 = EARLY_PCT * Math.max(0, 60 - age);
+      if (age < 50) return R(MAX_REDUCTION, 'F1', false, 'f1Under50');  // payable from 50, age pinned at 50
+      if (S < 25) return R(Math.min(MAX_REDUCTION, f1), 'F1', false, null);
+      var f2a = Math.max(0, EARLY_PCT * (55 - age)), f2b = Math.max(0, EARLY_PCT * (30 - S));
+      var f2 = Math.max(f2a, f2b);
+      if (age >= 55) return R(Math.min(MAX_REDUCTION, Math.min(f1, f2)), 'min(F1,F2)', false, null);
+      return R(Math.min(MAX_REDUCTION, f2), 'F2', false, null);
+    }
+    if (age >= 65 || (age >= 60 && S >= 30)) return R(0, null, true, 'unreduced');
+    var g1 = EARLY_PCT * Math.max(0, 65 - age);
+    if (age < 55) return R(MAX_REDUCTION, 'F1', false, 'f1Under55');    // payable from 55, age pinned at 55
+    if (S < 25) return R(Math.min(MAX_REDUCTION, g1), 'F1', false, null);
+    var h2a = Math.max(0, EARLY_PCT * (60 - age)), h2b = Math.max(0, EARLY_PCT * (30 - S));
+    var h2 = Math.max(h2a, h2b);
+    if (age >= 60) return R(Math.min(MAX_REDUCTION, Math.min(g1, h2)), 'min(F1,F2)', false, null);
+    return R(Math.min(MAX_REDUCTION, h2), 'F2', false, null);
+  }
+
+  /* Lifetime annual pension (years capped at 35 by the caller's service). */
+  function psLifetimePension(avgSalary, ampe, years) {
+    var Sc = Math.min(tenth(+years || 0), MAX_SERVICE);
+    var capAvg = Math.min(Math.max(0, +avgSalary || 0), Math.max(0, +ampe || 0));
+    var over = Math.max(0, (+avgSalary || 0) - (+ampe || 0));
+    return round2(PCT_LOW * capAvg * Sc + PCT_HIGH * over * Sc);
+  }
+  /* Bridge benefit: 0.625% × min(avg,AMPE) × min(S,35) — caller zeroes at 65+. */
+  function psBridgeBenefit(avgSalary, ampe, years) {
+    var Sc = Math.min(tenth(+years || 0), MAX_SERVICE);
+    var capAvg = Math.min(Math.max(0, +avgSalary || 0), Math.max(0, +ampe || 0));
+    return round2(BRIDGE_PCT * capAvg * Sc);
+  }
+
+  /* Full benefit computation.
+   * Input:  { joinYear, retireAge, serviceYears, avgSalary, ampe }
+   * Output (plan contract): { group, serviceCapped, lifetime, bridge,
+   *   reductionPct, formula, pensionAtRetirement, pensionFrom65, startAge,
+   *   deferred, earlyOnlyNote, notes[] } — $ annual, to the cent. */
+  function computePSPension(o) {
+    o = o || {};
+    var avg = Math.max(0, +o.avgSalary || 0);
+    var ampe = Math.max(0, +o.ampe || 0);
+    var S = tenth(+o.serviceYears || 0);
+    var age = tenth(+o.retireAge || 0);
+    var group = +o.group === 1 || +o.group === 2 ? +o.group : psGroup(o.joinYear) || 1;
+    var Sc = Math.min(S, MAX_SERVICE);
+    var lifetime = psLifetimePension(avg, ampe, Sc);
+    var out = {
+      group: group, serviceCapped: Sc, startAge: age, deferred: false,
+      lifetime: lifetime, bridge: 0,
+      reductionPct: 0, formula: null,
+      pensionAtRetirement: lifetime, pensionFrom65: lifetime,
+      earlyOnlyNote: null, notes: []
+    };
+    if (S < 2) {  // return of contributions only — no annuity (PSPC)
+      out.lifetime = 0; out.pensionAtRetirement = 0; out.pensionFrom65 = 0;
+      out.notes.push('lt2');
+      return out;
+    }
+    var red = { pct: 0, formula: null };
+    if (group === 2 && age < 55) {
+      // PSPC default (no election within 1 year): deferred annuity, unreduced, at 65.
+      out.deferred = true; out.startAge = 65;
+      red = { pct: 0, formula: null };
+      out.earlyOnlyNote = 'deferredG2';
+    } else {
+      red = psEarlyReduction(group, age, S);
+      out.startAge = age;
+      if (red.note === 'f1Under50') { out.startAge = 50; out.notes.push('f1Under50'); }
+      if (red.note === 'f1Under55') { out.startAge = 55; out.notes.push('f1Under55'); }
+    }
+    out.reductionPct = red.pct;
+    out.formula = red.formula;
+    out.bridge = out.startAge < 65 ? psBridgeBenefit(avg, ampe, Sc) : 0;
+    out.pensionAtRetirement = round2((out.lifetime + out.bridge) * (1 - out.reductionPct));
+    out.pensionFrom65 = round2(out.lifetime * (1 - out.reductionPct));
+    return out;
+  }
+
+  return {
+    PCT_LOW: PCT_LOW, PCT_HIGH: PCT_HIGH, BRIDGE_PCT: BRIDGE_PCT,
+    MAX_SERVICE: MAX_SERVICE, GROUP1_CUTOFF_YEAR: GROUP1_CUTOFF_YEAR,
+    IT_LEVELS: IT_LEVELS, IT_RATES_ASOF: IT_RATES_ASOF, IT_RATES_SOURCE: IT_RATES_SOURCE,
+    SOURCES: SOURCES,
+    psGroup: psGroup, psLifetimePension: psLifetimePension,
+    psBridgeBenefit: psBridgeBenefit, psEarlyReduction: psEarlyReduction,
+    computePSPension: computePSPension,
+    itLevel: itLevel, itRange: itRange
+  };
+});

site/i18n.js

@@ -56,6 +56,7 @@
       qc: 'ℹ️ Québec: QPP is <b>not</b> modelled — add your QPP estimate as “Pension $/yr”. QPP typically replaces ~35% of income.',
       cliff: 'You’ll hit the RRIF-minimum tax cliff at 71. TFSA room now softens it later — check the gap cards.',
       couple: 'With pension splitting + household GIS, your joint taxes drop — the panel shows the joint total.',
+      psCover: 'ℹ️ Your public service pension covers about <b>{pct}%</b> of your retirement spending goal.',
       live: 'Live numbers — change any answer and this panel moves.'
     },
     prov: {
@@ -105,7 +106,42 @@
       },
       extra: {
         title: 'Other income', hint: 'DB pension, rental, royalties… leave 0 if none.',
-        pension: 'Pension $/yr', rental: 'Rental $/yr', other: 'Other $/yr'
+        pension: 'Pension $/yr', rental: 'Rental $/yr', other: 'Other $/yr',
+        psNote: 'Covered by your public service pension module: {v} — see your plan.',
+        psNotePending: 'Answer the pension module questions — this is computed from them.'
+      },
+      ps: {
+        title: 'Do you have a federal public service pension?',
+        hint: 'Optional — for federal employees under the PSSA. We’ll compute it from PSPC rules and add it to your plan.',
+        yes: 'Yes — I am (or was) a federal public servant', yesD: 'Public Service Pension Plan (PSSA)',
+        no: 'No / not sure', noD: 'Skip the pension module'
+      },
+      ps_join: {
+        title: 'What year did you join the federal public service?',
+        hint: 'This sets your group: on/before Dec 31, 2012 = Group 1 (annual allowance from 50); on/after Jan 1, 2013 = Group 2 (from 55).'
+      },
+      ps_service: {
+        title: 'Years of pensionable service',
+        hint: 'Recognized by PSPC (the calculation caps it at 35 years).'
+      },
+      ps_salary: {
+        title: 'Average salary — your 5 consecutive highest-paid years',
+        hint: 'The annual average of your five consecutive years of highest paid service, in today’s dollars.',
+        hintIt: 'Your IT table shows {lo}–{hi} a year (TBS–PSAC, effective {asof}) — pick your step next, or type your own.'
+      },
+      ps_occ: {
+        title: 'Are you in the IT (Information Technology) group?',
+        hint: 'The pension formula is the same for every occupational group — we just show official TBS–PSAC pay tables to help with the salary.',
+        it: 'Yes — IT group', itD: 'IT-01 to IT-05, TBS–PSAC rates',
+        other: 'No — another group', otherD: 'I’ll type my average salary'
+      },
+      ps_it: {
+        title: 'Which IT level are you at?',
+        hint: 'Official annual rates, effective {asof} — you can override with your own salary.',
+        stepTitle: 'Which step of {level}?',
+        stepHint: 'Range {lo}–{hi} · rates effective {asof}. Your step sets the 5-year average (override it on the salary step).',
+        stepMin: 'first step', stepTop: 'top step',
+        skip: 'Not my pay scale', skipD: 'I’ll type my average salary'
       },
       assumptions: {
         title: 'Assumptions', hint: 'Real (above-inflation) returns. Defaults match a balanced portfolio.',
@@ -131,7 +167,40 @@
       h: 'Where retirement income comes from',
       cap: 'CPP, OAS, GIS and what you must withdraw from savings — stacked, after-tax view.',
       empty: 'Retirement after your plan horizon.',
-      cpp: 'CPP', oas: 'OAS (net)', gis: 'GIS', savings: 'From savings'
+      cpp: 'CPP', oas: 'OAS (net)', gis: 'GIS', savings: 'From savings', psPension: 'Public service pension'
+    },
+    ps: {
+      card: {
+        title: 'Your federal public service pension',
+        group: 'Group {n} (rules from your join year)',
+        service: 'Pensionable service used: {y} years (max 35)',
+        avg: '5-year average salary (highest paid)',
+        ampe: 'AMPE (proxy = YMPE {v}, {y})',
+        lifetime: 'Lifetime annual pension',
+        bridge: 'Bridge benefit (until 65)',
+        reduction: 'Early reduction (annual allowance): {pct} — {f}',
+        none: 'None — you qualify for an unreduced pension',
+        fF1: 'Formula 1', fF2: 'Formula 2', fMin: 'lower of F1 and F2',
+        atRet: 'Your pension at retirement (from {age})',
+        from65: 'From age 65 (bridge ends)',
+        lt2: 'Under 2 years of service: return of contributions only — no annuity.',
+        deferred: 'You retire before 55 (Group 2): modelled as a deferred annuity — unreduced pension from age 65. Alternative: an annual allowance from age 55 would be permanently reduced by 50%.',
+        under50: 'Retiring before 50 (Group 1): the annual allowance is payable from your 50th birthday, with Formula 1 computed at age 50 — a 50% reduction.',
+        under55: 'Payable from 55 with Formula 1 computed at age 55 — a 50% reduction.',
+        bridgeEnds: 'The bridge benefit ends the month you turn 65 (earlier only with CPP/QPP disability).',
+        nSurvivor: 'Survivor: 50% of your pre-65 pension before any reduction, plus child allowances to 18 (25 if in school).',
+        nIndex: 'Indexation: the pension is increased every January 1 by CPI.',
+        nPartTime: 'Part-time service is pro-rated for assigned hours — not modelled; full-time assumed.',
+        nSplit: 'The bridge benefit is a term annuity — excluded from pension income splitting (conservative). The lifetime pension is splittable at any age.',
+        sources: 'Sources:',
+        srcPspc: 'PSPC formula & reduction rules ({d})',
+        srcGlance: 'TBS pension at a glance',
+        srcGloss: 'TBS glossary (AMPE)',
+        srcCra: 'CRA pension splitting',
+        srcYmpe: 'CRA YMPE {v} ({y})',
+        srcIt: 'TBS–PSAC IT agreement rates ({d})',
+        dataAsOf: 'benefit constants as of {d}'
+      }
     },
     g3: {
       h: 'Spending vs. what you\'ll actually have',
@@ -178,7 +247,7 @@
       cpp: 'CPP', oas: 'OAS', gis: 'GIS', tax: 'Tax+claw', unfunded: 'Unfunded'
     },
     d: {
-      main: '<b>Estimates only — not financial advice.</b> Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); DB pensions not modelled; returns are constant real rates; Ontario surtax modelled on base tax.',
+      main: '<b>Estimates only — not financial advice.</b> Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); federal public service pension (PSSA) modelled when enabled — other DB pensions not; returns are constant real rates; Ontario surtax modelled on base tax.',
       privacy: '🔒 100% client-side — answers never leave your browser. Your answers are saved only in this browser (localStorage).'
     },
     res: {
@@ -244,6 +313,7 @@
       qc: 'ℹ️ Québec : le RRQ <b>n\'est pas</b> modélisé — ajoutez votre estimation du RRQ sous « Pension ($/an) ». Le RRQ remplace habituellement ~35 % du revenu.',
       cliff: 'Vous heurterez le palier fiscal du minimum de FERR à 71 ans. Du CELI aujourd\'hui en atténue l\'effet plus tard — voyez les cartes d\'écart.',
       couple: 'Avec le fractionnement du revenu de pension et la SRG du ménage, vos impôts conjoints baissent — le panneau affiche le total conjoint.',
+      psCover: 'ℹ️ Votre pension de la fonction publique couvre environ <b>{pct}%</b> de votre objectif de dépenses de retraite.',
       live: 'Chiffres en direct — changez une réponse et ce panneau bouge.'
     },
     prov: {
@@ -293,7 +363,42 @@
       },
       extra: {
         title: 'Autres revenus', hint: 'Pension à prestations, location, redevances… laissez 0 sinon.',
-        pension: 'Pension par année', rental: 'Location par année', other: 'Autre par année'
+        pension: 'Pension par année', rental: 'Location par année', other: 'Autre par année',
+        psNote: 'Couvert par votre module de pension fédérale : {v} — voir votre plan.',
+        psNotePending: 'Répondez aux questions du module de pension — ce montant en découle.'
+      },
+      ps: {
+        title: 'Avez-vous une pension de la fonction publique fédérale?',
+        hint: 'Facultatif — pour les fonctionnaires fédéraux (LRFP). Nous la calculons selon les règles de la PSCC et l\'ajoutons à votre plan.',
+        yes: 'Oui — je suis (ou j\'étais) fonctionnaire fédéral', yesD: 'Régime de retraite de la fonction publique (LRFP)',
+        no: 'Non / je ne sais pas', noD: 'Passer le module de pension'
+      },
+      ps_join: {
+        title: 'En quelle année avez-vous adhéré à la fonction publique fédérale?',
+        hint: 'Cela détermine votre groupe : avant le 31 déc. 2012 = groupe 1 (allocation annuelle dès 50 ans); à partir du 1er janv. 2013 = groupe 2 (dès 55 ans).'
+      },
+      ps_service: {
+        title: 'Années de service ouvrant droit à pension',
+        hint: 'Reconnues par la PSCC (le calcul est plafonné à 35 années).'
+      },
+      ps_salary: {
+        title: 'Salaire moyen — vos 5 années consécutives les mieux rémunérées',
+        hint: 'La moyenne annuelle de vos cinq années de service consécutives les mieux rémunérées, en dollars d\'aujourd\'hui.',
+        hintIt: 'Votre barre TI affiche {lo}–{hi} par année (SECT–PSAC, en vigueur le {asof}) — choisissez votre échelon, ou saisissez votre propre salaire.'
+      },
+      ps_occ: {
+        title: 'Faites-vous partie du groupe TI (technologies de l\'information)?',
+        hint: 'La formule de pension est la même pour tous les groupes professionnels — les barèmes officiels SECT–PSAC aident seulement à estimer le salaire.',
+        it: 'Oui — groupe TI', itD: 'TI-01 à TI-05, taux SECT–PSAC',
+        other: 'Non — un autre groupe', otherD: 'Je saisirai mon salaire moyen'
+      },
+      ps_it: {
+        title: 'Quel niveau TI occupez-vous?',
+        hint: 'Taux annuels officiels, en vigueur le {asof} — vous pouvez les remplacer par votre propre salaire.',
+        stepTitle: 'Quel échelon du niveau {level}?',
+        stepHint: 'Fourchette {lo}–{hi} · taux en vigueur le {asof}. Votre échelon fixe la moyenne sur 5 ans (modifiable à l\'étape du salaire).',
+        stepMin: 'premier échelon', stepTop: 'échelon supérieur',
+        skip: 'Ce n\'est pas mon barème', skipD: 'Je saisirai mon salaire moyen'
       },
       assumptions: {
         title: 'Hypothèses', hint: 'Rendements réels (supérieurs à l\'inflation). Les valeurs par défaut correspondent à un portefeuille équilibré.',
@@ -319,7 +424,40 @@
       h: 'D\'où vient le revenu de retraite',
       cap: 'RPC, SV, SRG et ce que vous retirez de l\'épargne — empilé, après impôt.',
       empty: 'Retraite après l\'horizon du plan.',
-      cpp: 'RPC', oas: 'SV (net)', gis: 'SRG', savings: 'Épargne'
+      cpp: 'RPC', oas: 'SV (net)', gis: 'SRG', savings: 'Épargne', psPension: 'Pension de la fonction publique'
+    },
+    ps: {
+      card: {
+        title: 'Votre pension de la fonction publique fédérale',
+        group: 'Groupe {n} (règles selon votre année d\'adhésion)',
+        service: 'Service ouvrant droit à pension retenu : {y} années (max 35)',
+        avg: 'Salaire moyen sur 5 ans (les mieux rémunérées)',
+        ampe: 'MMGP (proxy = PGMA {v}, {y})',
+        lifetime: 'Pension viagère annuelle',
+        bridge: 'Prestation de raccordement (jusqu\'à 65 ans)',
+        reduction: 'Réduction hâtive (allocation annuelle) : {pct} — {f}',
+        none: 'Aucune — vous avez droit à une pension sans réduction',
+        fF1: 'Formule 1', fF2: 'Formule 2', fMin: 'la plus faible de F1 et F2',
+        atRet: 'Votre pension à la retraite (dès {age} ans)',
+        from65: 'À partir de 65 ans (fin du raccordement)',
+        lt2: 'Moins de 2 années de service : remboursement des cotisations seulement — pas de rente.',
+        deferred: 'Vous prenez votre retraite avant 55 ans (groupe 2) : modélisé comme pension différée — pension sans réduction dès 65 ans. Autre option : une allocation annuelle dès 55 ans serait réduite de 50 % de façon permanente.',
+        under50: 'Retraite avant 50 ans (groupe 1) : l\'allocation annuelle est payable à partir de votre 50e anniversaire, calculée à 50 ans selon la formule 1 — réduction de 50 %.',
+        under55: 'Payable dès 55 ans, calculée à 55 ans selon la formule 1 — réduction de 50 %.',
+        bridgeEnds: 'La prestation de raccordement prend fin le mois de votre 65e anniversaire (avant 65 ans seulement en cas d\'invalidité RPC/RRQ).',
+        nSurvivor: 'Conjoint survivant : 50 % de la pension avant 65 ans calculée avant toute réduction, plus les allocations aux enfants jusqu\'à 18 ans (25 ans aux études).',
+        nIndex: 'Indexation : la pension est augmentée chaque 1er janvier selon l\'IPC.',
+        nPartTime: 'Le service à temps partiel est prorogé selon les heures de service assignées — non modélisé; temps plein présumé.',
+        nSplit: 'La prestation de raccordement est une rente temporaire — exclue du fractionnement du revenu de pension (choix prudent). La pension viagère est fractionnable à tout âge.',
+        sources: 'Sources :',
+        srcPspc: 'PSCC — formule et réductions ({d})',
+        srcGlance: 'SECT — la pension en bref',
+        srcGloss: 'SECT — glossaire (MMGP)',
+        srcCra: 'ARC — fractionnement du revenu de pension',
+        srcYmpe: 'ARC — PGMA {v} ({y})',
+        srcIt: 'Convention collective TI — SECT–PSAC ({d})',
+        dataAsOf: 'constantes au {d}'
+      }
     },
     g3: {
       h: 'Dépenses vs ce que vous aurez',
@@ -366,7 +504,7 @@
       cpp: 'RPC', oas: 'SV', gis: 'SRG', tax: 'Impôt + récup.', unfunded: 'Non financé'
     },
     d: {
-      main: '<b>Estimations seulement — il ne s\'agit pas de conseils financiers.</b> Modèle simplifié : retrait progressif simplifié de 50 % pour la SRG; Québec présenté avec le dégagement fédéral de 16,5 % (RRQ et cotisations sociales québécoises non modélisés); pensions à prestations non modélisées; rendements à taux réels constants; surtaxe de l\'Ontario calculée sur l\'impôt de base.',
+      main: '<b>Estimations seulement — il ne s\'agit pas de conseils financiers.</b> Modèle simplifié : retrait progressif simplifié de 50 % pour la SRG; Québec présenté avec le dégagement fédéral de 16,5 % (RRQ et cotisations sociales québécoises non modélisés); pension de la fonction publique fédérale (LRFP) modélisée si activée — autres pensions à prestations non modélisées; rendements à taux réels constants; surtaxe de l\'Ontario calculée sur l\'impôt de base.',
       privacy: '🔒 100 % côté client — vos réponses ne quittent jamais votre navigateur. Vos réponses ne sont enregistrées que dans ce navigateur (localStorage).'
     },
     res: {

site/index.html

@@ -70,6 +70,7 @@
     <!-- Chart titles/captions render inside each card's .chart-h via app.js chart() (round 2 Fix 2) -->
     <div id="g1" class="chartbox"></div>
     <div id="g2" class="chartbox"></div>
+    <div id="ps-card" class="chartbox" hidden></div>
     <div id="g3" class="chartbox"></div>
     <div id="g4" class="chartbox"></div>
     <p id="g4-note" class="cap"></p>
@@ -94,7 +95,7 @@
     </details>
 
     <div class="disclaimer">
-      <p data-i18n-html="d.main"><b>Estimates only — not financial advice.</b> Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); DB pensions not modelled; returns are constant real rates; Ontario surtax modelled on base tax.</p>
+      <p data-i18n-html="d.main"><b>Estimates only — not financial advice.</b> Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); federal public service pension (PSSA) modelled when enabled — other DB pensions not; returns are constant real rates; Ontario surtax modelled on base tax.</p>
       <p class="stamp" id="stamp">tax rates 2026</p>
       <p class="privacy" data-i18n="d.privacy">🔒 100% client-side — answers never leave your browser. Your answers are saved only in this browser (localStorage).</p>
       <div class="btn-row">
@@ -108,6 +109,7 @@
 
 <script src="engine/canada.js"></script>
 <script src="engine/engine.js"></script>
+<script src="engine/pspension.js"></script>
 <script src="i18n.js"></script>
 <script src="app.js"></script>
 </body>

site/style.css

@@ -155,6 +155,10 @@ input[type=range]{width:100%;accent-color:var(--blue)}
 .tbl-wrap{overflow:auto;max-height:340px;border:1px solid var(--line);border-radius:8px;margin-top:8px}
 table{border-collapse:collapse;font-size:12.5px;width:100%}
 th,td{padding:5px 8px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
+/* Card-style 2-col breakdown tables (PS pension card): wrap text, fixed layout → fits 320px. */
+table.cards{table-layout:fixed}
+table.cards td{white-space:normal;word-wrap:break-word;text-align:left;vertical-align:top}
+table.cards td:last-child{text-align:right}
 th{position:sticky;top:0;background:var(--bg);text-align:right}
 td:first-child,th:first-child{position:sticky;left:0;background:var(--bg)}
 tr.dep td{color:var(--red)}