FERS Pension Calculator
United States Uses United States federal and state tax and payroll rules.
FERS pension calculator: your federal annuity with the 1.1% and MRA+10 rules, sick leave, survivor cost, the FERS supplement after the earnings test and every retirement age.
Educational estimate only. Not a lending decision. Your numbers stay in this browser.
Results
How to read this: the verdict describes how much room your numbers leave, not a decision or an offer. Change any input to see how much the result moves.
Investing and retirement guides
These guides explain compounding, contribution projections, retirement targets, inflation, and real returns.
- Compound interest explained
- Investment return with contributions
- Retirement savings target
- Inflation and real returns
For all guide topics, open Guides. For source and estimate boundaries, read Calculation Methodology and Sources and Assumptions.
Assumptions and formula
The basic annuity is your high-3 average salary × your years of creditable service × 1%. If you are 62 or older with at least 20 years of service, the multiplier is 1.1%. Special-provision employees (law enforcement, firefighters, air traffic controllers) get 1.7% for the first 20 years and 1% after. Service counts in whole months, and unused sick leave adds to service for the amount but not for eligibility.
Eligibility follows OPM: an immediate annuity at 62 with 5 years, 60 with 20, or your minimum retirement age (55 to 57 by birth year) with 30; at the MRA with 10 to 29 years the annuity is reduced 5/12% for each month under 62. A full survivor benefit costs 10% and a partial one 5%. The FERS supplement, for unreduced immediate retirements before 62, is your Social Security estimate at 62 × FERS years ÷ 40, cut $1 for every $2 earned over $24,480. FERS cost-of-living increases are the CPI rise up to 2%, 2% for a rise of 2% to 3%, and the rise less 1% above that, from age 62 for regular retirees.
Worked example
Born in 1968 (minimum retirement age 56 and 8 months), retiring at 57 with 30 years and a $100,000 high-3: $30,000 a year, $27,000 after the full survivor benefit, $2,250 a month. With $2,000 a month of Social Security estimated at 62, the supplement adds $1,500 a month for five years. Leaving at 57 with 15 years instead would be an MRA+10 annuity cut 25%.
Frequently asked questions
What is the FERS pension on a $100,000 high-3 with 30 years?
$30,000 a year if you retire at your minimum retirement age, or $33,000 at 62 with the 1.1% multiplier, before the survivor reduction.
How is the FERS pension calculated?
High-3 average salary × years of service × 1%, or 1.1% if you retire at 62 or older with at least 20 years. With a $100,000 high-3 and 30 years, that is $30,000 a year at 57 and $33,000 at 62. A full survivor benefit then costs 10%.
What is the FERS minimum retirement age?
55 for people born before 1948, rising two months a year to 56 for those born 1953 to 1964, then two months a year to 57 for anyone born in 1970 or later. Someone born in 1968 has an MRA of 56 and 8 months.
What does retiring at MRA+10 cost?
5% a year (5/12% a month) for every year you are under 62 when the annuity starts. At 57 with 15 years, a $15,000 annuity is cut 25% to $11,250 before the survivor reduction. Waiting until 60 with 20 years, or postponing the start, removes or reduces the cut.
How much is the FERS supplement?
Your estimated Social Security at 62 × your FERS years ÷ 40, paid from retirement to 62 if you retire on an unreduced immediate annuity. With $2,000 a month estimated and 30 years, it is $1,500 a month. Earnings over $24,480 a year cut it $1 for every $2.
Do FERS pensions get cost-of-living adjustments?
From 62 for most retirees, and at a reduced rate: the full CPI rise when it is 2% or less, 2% when it is between 2% and 3%, and the rise less 1% above 3%. A 2.8% rise gives FERS retirees 2%, while Social Security rises 2.8%.
Is this a FERS retirement calculator or a FERS pension calculator?
Both: a FERS pension calculator and FERS retirement calculator for the basic annuity, a FERS supplement calculator, and a table that compares every retirement age. It is a FERS calculator, FERS annuity calculator and federal retirement calculator for FERS employees.
Is this a federal employee retirement calculator?
Yes: a Federal Employees Retirement System (FERS) calculator using the FERS retirement formula, 1% of your high-3 salary for each year of service (1.1% at 62 with 20 years), with unused sick leave converted to service at 2,087 hours a year.
Sources
Sources reviewed 3 October 2026: checked against their current editions on that date.
- OPM, FERS Computation: the 1% and 1.1% formulas, special provisions, the MRA+10 reduction and the survivor reductions.
- OPM, FERS Eligibility: the minimum retirement age table and the age and service requirements.
- OPM, Types of Retirement: the FERS annuity supplement, its computation and its earnings test.
- 5 USC 8415 and 8462: computation of the basic annuity and FERS cost-of-living adjustments.
- SSA, Exempt amounts under the earnings test: $24,480 for 2026.
This page is an educational estimate, not personal financial or tax advice. Eligibility and individual circumstances can change the result.