FERS Retirement Calculator
Estimate your FERS annuity from your high-3 average salary, creditable service years, and retirement age. Applies the 1% multiplier, the 1.1% multiplier at age 62 with 20+ years, your minimum retirement age by birth year, and the MRA+10 early-retirement reduction — with every step of the math shown.
Works offline — your inputs never leave this device. How that works
Deferred vs. postponed — the early-out distinction that changes everything
A postponed MRA+10 retirement means you met your MRA with 10+ years, left, and chose to delay the annuity's start date — shrinking or eliminating the age reduction, and letting you re-enroll in FEHB when payments begin. A deferred retirement means you left federal service before qualifying for an immediate annuity; the benefit starts at 62 (or 60 with 20 years), with no FEHB reinstatement.
The label OPM applies depends on your age and service at separation — confirm your situation with your HR office before making an early-out decision.
Verified 2026-07-30 against OPM — FERS computation, eligibility, creditable service & annuitant pamphlet (effective 2026-01-01)
Estimate only — not legal, financial, or benefits advice. Only OPM can determine your actual benefit.
Official source: OPM — FERS annuity computation ↗
🎓 Understand this tool
What it is
An estimator for the FERS basic annuity — the pension part of federal retirement, separate from your TSP and Social Security. It shows the gross annual and monthly pension your high-3 salary, service years, and retirement age would produce under the standard formula.
How it works
FERS uses high-3 average salary × creditable years × 1% (or 1.1% if you retire at 62+ with 20+ years). Your minimum retirement age comes from the OPM birth-year table, and an MRA+10 retirement takes a permanent reduction of 5/12 of 1% per month you are under 62. The math here mirrors OPM's published computation rules.
Getting the most from it
- Enter your high-3 average salary — or open the High-3 calculator first if you are not sure.
- Enter total creditable service years, including bought-back military time and projected sick-leave credit.
- Pick the age you plan to retire and compare the retirement types the tool shows for that age.
- Open the step-by-step math panel and check which multiplier applied and whether a reduction hit.
Reading your result
The result is a gross annual pension before deductions — survivor benefit elections, taxes, and FEHB premiums all come out of it. Compare scenarios side by side (for example MRA+10 now versus waiting until 62) rather than treating one number as your plan.
What it can't tell you
This is an educational estimate from the standard formula. It cannot see your official service record, part-time proration, special-category service, or court orders. Only OPM's adjudication at retirement determines your actual annuity.
Frequently asked questions
The basic FERS annuity is your high-3 average salary × years of creditable service × 1%. If you retire at age 62 or later with at least 20 years of service, the multiplier rises to 1.1%. OPM makes the official computation at retirement.
Related calculators
High-3
Compute your high-3 average salary — the highest-paid 36 consecutive months of your federal career — the exact figure your FERS annuity is based on. Enter your salary history periods and get the properly weighted average, with the math shown month by month.
TSP Growth
Project your Thrift Savings Plan balance to retirement. Models your contributions, the 1% automatic agency contribution, the full match tiers (100% of the first 3%, 50% of the next 2%), annual contribution and catch-up limits from the verified IRS/TSP figures, and compound growth year by year.
FERS Supplement
Estimate your FERS annuity supplement — the bridge payment for federal employees who retire before 62. Uses the OPM estimating formula (your age-62 Social Security benefit × FERS service ÷ 40), applies the annual earnings test, and shows exactly why the supplement ends at age 62.
Sick Leave Credit
Convert your unused sick leave hours into extra FERS service credit using OPM's 2,087-hour rule. See the added months and days of creditable service your sick leave balance buys, and roughly what that extra service is worth in annual annuity dollars.
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