FERS Retirement Calculator

USFederalJobs provides a 2026 estimator for the Federal Employees Retirement System (FERS). Calculate your monthly basic annuity, high-3 average salary, and retirement supplement in seconds.

Include FERS Supplement Estimate Only for MRA retirement with 30 years or age 60 with 20 years.
Estimated Monthly Pension
$0
Based on 2026 FERS calculation standards.
Annual (Gross) $0
Total Service 0.00 yrs
Multiplier: 1.0%

analytics Detailed Pension Analysis

High-3 Average
$0

The highest average basic pay earned during any 3 consecutive years.

Multiplier Bonus
1.0%

Increases to 1.1% if you retire at 62+ with 20+ years of service.

Sick Leave Credit
0.0 yrs

Unused sick leave converted into additional years of service credit.

Planning for your federal retirement

Retirement is a big milestone after years of hard work. Our FERS calculator helps you see your pension numbers, but a good plan is about more than just one calculation. You should look at all your income sources together to get the full picture of your future.

Your three main sources of income

To have a secure retirement, you need to coordinate different types of money. This tool helps you estimate your basic pension, but remember to count your other income too:

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Your Pension

The guaranteed monthly check you get for life based on your years of service.

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Social Security

The monthly benefit from the government that adjusts for inflation over time.

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Your TSP

Your personal investment account that gives you more cash and flexibility.

Calculated Estimate Disclaimer

This tool is specifically modeled for FERS Immediate Retirement. It does not calculate benefits for Law Enforcement (LEO), Air Traffic Controllers, or deferred retirement scenarios.

We strive for accuracy, but this tool is for estimation purposes only. Your official retirement package will be calculated and finalized by the Office of Personnel Management (OPM).

Frequently asked questions

How is my FERS "High-3" average salary determined? add
Your FERS High-3 average salary is the highest average basic pay you earned during any 36 consecutive months of service. This includes locality pay but generally excludes overtime, bonuses, or travel pay.
Can I use sick leave to reach retirement eligibility? add
No. Unused sick leave is added to the computation of your pension amount to increase your monthly check, but it cannot be used to meet the eligibility requirements for retirement (like reaching 30 years to retire at MRA).
When do I qualify for the 1.1% FERS multiplier? add
You qualify for the 1.1% FERS multiplier if you are at least age 62 at the time of retirement and have 20 or more years of creditable service. If you do not meet both criteria, the standard 1% multiplier is used.
What is the FERS Annuity Supplement? add
The FERS Annuity Supplement (also known as the Special Retirement Supplement) is a monthly payment for those who retire before age 62 with a full pension. It estimates what your Social Security benefit would be based only on your federal service.
How do I check my OPM retirement eligibility? add
OPM retirement eligibility is based on age and service. For an immediate unreduced pension, you generally need to reach your Minimum Retirement Age (MRA) with 30 years of service, or age 60 with 20 years.
How does FERS disability retirement work? add
FERS disability retirement is available if you have at least 18 months of service and a medical condition expected to last at least a year. The calculation is specialized: usually 60% of your High-3 for the first year, and 40% thereafter until age 62.

Note: The data provided by this calculator is intended for informational and educational use only. It does not constitute financial, legal, or tax advice. For definitive answers regarding your specific service history or retirement eligibility, we strongly recommend requesting a formal estimate from your agency's Human Resources or Benefits office.