FERS Retirement Calculator
Estimate your Federal Employees Retirement System (FERS) pension using official formulas. Model different retirement scenarios, survivor benefits, and service credits.
How the FERS Calculator Works
This calculator uses the official FERS pension formula: High-3 × Years of Service × Multiplier. Enter your highest three-year average salary, total creditable service (including military buyback and sick leave credit), and select your retirement scenario. The calculator automatically determines your eligibility for immediate, MRA+10, postponed, or deferred retirement, and calculates any early retirement penalties.
If eligible, the calculator also estimates your FERS Supplement, the temporary benefit paid from retirement until age 62 that approximates your Social Security benefit.
FERS Retirement Calculator (Draft)
Start with the essentials, then expand advanced options to model MRA+10, deferred cases, survivor elections, and service credits.
Quick estimate inputs
Optional. Needed to calculate FERS supplement if you retire before 62. Check SSA.gov for your estimate.
Advanced options
You can expand advanced options to model MRA+10 postponement, sick leave, survivor elections, or military service.
The calculator uses official FERS formulas but is for planning only. Request an official estimate from your agency before retiring.
Your retirement snapshot
Review eligibility, service credit, and projected income. Adjust inputs to explore alternative timelines.
Enter your information and select “Calculate estimate” to view projected pension details.
Immediate vs. Postponed Retirement
Immediate: Retire at MRA+30, 60+20, or 62+5 with no penalty.
MRA+10: Retire at MRA with 10-29 years, but face 5% penalty per year under 62.
Postponed: Leave at MRA+10 but delay pension until 62 to eliminate the penalty.
FERS Supplement Eligibility
The Special Retirement Supplement bridges the gap between FERS retirement and Social Security at 62.
Eligible: MRA+30 retirees, VERA retirees, and special provisions (LEO, firefighters). Not eligible: MRA+10, 60+20, or deferred retirees.
Sick Leave Conversion Calculator
See how much your unused sick leave adds to your FERS pension. Unlike other calculators, this shows the actual dollar value, not just months of credit.
Check your LES or HR system
Avg of highest 36 months
1.1% if retiring 62+ with 20+ yrs
Learn more about how sick leave adds to your pension or see the full sick leave rules in our FERS Guide.
Complete FERS Retirement Guide
Understand eligibility requirements, MRA charts, the 1% vs 1.1% multiplier, survivor benefits, FERS Supplement rules, and postponed vs. deferred retirement options.
Read the Complete FERS Retirement Guide →