FERS Retirement Calculator

2026 rules

Estimate your FERS pension and check which retirement you qualify for.

Your numbers

High-3 average salary

Creditable service (years, incl. unused sick leave)

Age at retirement

Year you were born

Survivor benefit

Result

FERS annuity per year$25,650

Your minimum retirement age (MRA)57
Retirement typeMRA with 30 years
Multiplier1%
High-3 × service × multiplier$28,500
Survivor benefit cost-$2,850
Yearly annuity$25,650
Monthly$2,138
FERS supplement until 62Eligible

How it works

The FERS annuity is 1% of your High-3 salary for each year of service, or 1.1% if you retire at 62 or later with at least 20 years. Unused sick leave adds service time.

You can retire at your minimum retirement age (55 to 57, by birth year) with 30 years, at 60 with 20, or at 62 with 5. At the MRA with 10 to 29 years, the annuity is cut 5% for each year you are under 62 unless you postpone it.

2026 figures: OPM FERS computation; TSP loans; IRS Notice 2025-67 (2026 retirement plan limits).

Questions

Is the FERS annuity adjusted for inflation?

Cost-of-living adjustments start at 62, except for disability and special-category retirees. They are smaller than Social Security's when inflation is above 2%.

How much does the survivor benefit cost?

A full survivor benefit (50% of your annuity) cuts your annuity by 10%; a partial one (25%) cuts it by 5%.