See how your federal service may translate into retirement income.

Estimate a regular FERS pension, projected sick-leave credit, survivor-election cost, and potential annuity supplement.

Your information stays in this browser.This tool does not submit or store participant data.

Step 1

Your retirement starting point

Use your Retirement SCD—not your leave SCD—and choose a planned or earliest MRA+10 separation.

Date of birthRetirement SCDVerify this date with your agency benefits office.Separation electionPlanned retirement dateAnnuity commencementAnnual base pay

Annual locality pay

Annual pay-growth assumption

User-controlled planning assumption; federal pay adjustments are not guaranteed.Post-retirement FERS COLA assumption

Default 2.6%: arithmetic average of OPM-published FERS COLAs for 2017–2026.

Projected high-3

The calculator compounds the entered current base and locality pay by your pay-growth assumption, then averages the projected final three annual pay levels. OPM’s official high-3 uses actual rates of basic pay over the highest three consecutive years of creditable civilian service.

Calculation details, OPM and SSA sources

FERS eligibility and MRAMRA table and age/service requirements FERS computationHigh-3, formulas and MRA+10 reductions Creditable serviceMilitary and sick-leave treatment Sick-leave accrualOPM biweekly accrual rules Annuity supplementEligibility and computation Postponed MRA+10Age reduction and coverage suspension FERS survivor benefitsAmounts, costs and consent Social Security claiming agesEarly retirement reductions and FRA Delayed retirement creditsBenefit increases through age 70 Social Security survivor amountsSurvivor eligibility and payment ranges