FERS Supplement Calculator

2026 rules

Estimate the FERS supplement paid from retirement until 62.

Your numbers

Social Security estimate at 62 (monthly, from your SSA statement)

Years of FERS civilian service

Age at retirement

Expected yearly earnings from work after retiring

Result

FERS supplement per month$1,425

SS at 62 × (FERS years ÷ 40)$1,425
Years counted (rounded)30
Monthly supplement$1,425
Paid for about 5 years, total$85,500

Paid only on an immediate, unreduced retirement before 62: MRA with 30 years, 60 with 20, or a special-category retirement. It stops at 62 and is not adjusted for inflation.

How it works

The supplement approximates the Social Security you earned as a FERS employee: your Social Security estimate at 62, times your years of FERS civilian service divided by 40.

It's paid only after an immediate, unreduced retirement before 62 (MRA with 30 years, 60 with 20, or special category). Earnings above the Social Security exempt amount ($24,480 in 2026) reduce it by $1 for every $2.

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

Questions

Does the supplement get cost-of-living increases?

No. It stays the same until it ends at 62.

Does military service count?

No. Only FERS civilian service counts, even if you bought back military time for the annuity.