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FERS Annuity Estimator

Estimate your Federal Employees Retirement System basic annuity, Special Retirement Supplement, and survivor benefit. Private by design — every calculation happens on your device.

🔒 Everything is calculated on your device. Nothing you type is sent, saved, or tracked.

Date of birth

Used to determine your Minimum Retirement Age (MRA) and your age at retirement.

Planned retirement date

The date you plan to separate. Determines your age and eligibility at retirement.

High-3 average salary

Your highest average basic pay over any 3 consecutive years (usually your last 3). Excludes overtime, bonuses, and locality outside base — enter your best estimate of the annual average.

Years of creditable civilian service

Your civilian FERS service used in the annuity formula (one decimal, e.g. 27.5). Bought-back military time and unused sick leave have their own fields under "Add optional details" below.

Retirement coverage

Regular FERS — most federal employees. Special provisions — Law Enforcement Officer, Firefighter, Air Traffic Controller, or CBPO.

Survivor benefit election

None — no reduction to your annuity. Partial (25%) — your annuity is reduced 5%. Full (50%) — your annuity is reduced 10%.

Add optional details

Bought-back military service (years, optional)

Active-duty time you've made a deposit to buy back. Counts toward your annuity, eligibility, and the 1.1% test — but not the FERS Supplement.

Unused sick leave (hours, optional)

From your leave statement, in hours (converted at 2,087 hours = 1 year). Counts toward your annuity computation only — not toward eligibility or the supplement.

Estimated Social Security benefit at age 62 (monthly)

Find this on your ssa.gov statement. Only used to estimate the FERS Special Retirement Supplement. Leave blank to skip it.

Expected annual earnings in retirement

Wages/self-employment income while receiving the supplement. Used only to estimate the Social Security earnings-test reduction.

My agency is offering an early-out (VERA), or I'm facing involuntary separation (DSR).

VERA and Discontinued Service Retirement are only available when your agency offers an early-out during a reorganization/RIF, or when you're involuntarily separated. They are not options you can elect on your own.

Important — please read

This calculator provides a rough estimate for educational purposes only. It is not financial, legal, or tax advice and is not an official benefit determination. Actual FERS benefits are calculated by the U.S. Office of Personnel Management (OPM) and may differ due to factors not modeled here (deposits/redeposits, part-time service proration, unused sick leave conversion, COLAs, deductions for taxes/FEHB/FEGLI, and more). Verify your numbers with OPM and a qualified federal benefits professional before making decisions.

Employees who transferred from CSRS to FERS ("Trans-FERS") may have a CSRS component in their annuity that carries a separate age-55 reduction for early retirement; this tool does not model that case. VERA/DSR availability depends on your agency's early-out offering and OPM approval — it is not something you can elect on your own.

How this is calculated

The estimate follows OPM's basic FERS computation rules:

Minimum Retirement Age (MRA) is set by your birth year — from 55 (born before 1948) up to 57 (born 1970 or later).
Basic annuity = High-3 × years of service × multiplier. The multiplier is 1.0%, or 1.1% if you retire at age 62 or older with at least 20 years of service.
Special provisions (LEO/FF/ATC/CBPO) use 1.7% on the first 20 years plus 1.0% on years beyond 20.
MRA+10 retirements (MRA with 10–29 years) are reduced by 5% for each year you are under age 62 (5/12 of 1% per month).
Survivor election reduces your annuity by 5% (partial, 25% survivor) or 10% (full, 50% survivor).
The FERS Special Retirement Supplement (paid before age 62 for unreduced MRA+30 / Age 60+20 / special-provision retirees) = Social Security estimate at 62 × (years rounded up ÷ 40).

Official reference: OPM — FERS Computation.

FERS Annuity Estimator

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