FERS Retirement Calculator
Estimate your FERS pension from your high-3 average salary, years of service and retirement age. The calculator applies the 1% or 1.1% multiplier, the MRA+10 age reduction, the survivor benefit reduction and an optional FERS supplement.
Free · No sign-up · Runs in your browser · Last reviewed November 2026
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About the FERS Retirement Calculator
The Federal Employees Retirement System (FERS) pays a pension based on your highest three years of average pay and your length of service. This calculator estimates the basic annuity most federal employees receive, using the formulas published by the Office of Personnel Management.
How to use it
- Enter your high-3 average salary and your years and months of creditable service.
- Enter your age at retirement and choose the survivor benefit option.
- Optionally add your estimated Social Security benefit at 62 to estimate the FERS supplement, then read your annual and monthly pension.
FERS pension formula
Annual FERS annuity = high-3 average salary × years of service × 1% (1.1% at age 62 or older with 20 or more years). Months count: each full month adds 1/12 of a year.
Example: high-3 of $100,000 and 30 years at age 62: $100,000 × 30 × 1.1% = $33,000 a year ($2,750 a month). The same career ending at age 60 uses 1%: $30,000 a year.
FERS pension by high-3 salary and years of service
Annual basic annuity at the 1% multiplier, before survivor reduction and taxes. Add 10% to each figure for the 1.1% multiplier:
| High-3 salary | 10 years | 15 years | 20 years | 25 years | 30 years | 35 years | 40 years |
|---|---|---|---|---|---|---|---|
| $60,000 | $6,000 | $9,000 | $12,000 | $15,000 | $18,000 | $21,000 | $24,000 |
| $70,000 | $7,000 | $10,500 | $14,000 | $17,500 | $21,000 | $24,500 | $28,000 |
| $80,000 | $8,000 | $12,000 | $16,000 | $20,000 | $24,000 | $28,000 | $32,000 |
| $90,000 | $9,000 | $13,500 | $18,000 | $22,500 | $27,000 | $31,500 | $36,000 |
| $100,000 | $10,000 | $15,000 | $20,000 | $25,000 | $30,000 | $35,000 | $40,000 |
| $110,000 | $11,000 | $16,500 | $22,000 | $27,500 | $33,000 | $38,500 | $44,000 |
| $120,000 | $12,000 | $18,000 | $24,000 | $30,000 | $36,000 | $42,000 | $48,000 |
| $140,000 | $14,000 | $21,000 | $28,000 | $35,000 | $42,000 | $49,000 | $56,000 |
| $160,000 | $16,000 | $24,000 | $32,000 | $40,000 | $48,000 | $56,000 | $64,000 |
When can you retire under FERS?
| Retirement type | Age | Service | Pension |
|---|---|---|---|
| Immediate, unreduced | 62 | 5 years | Full (1.1% with 20+ years) |
| Immediate, unreduced | 60 | 20 years | Full, plus supplement until 62 |
| Immediate, unreduced | MRA (55 to 57) | 30 years | Full, plus supplement until 62 |
| MRA+10 | MRA (55 to 57) | 10 to 29 years | Reduced 5% per year under 62 |
| Deferred | 62 (or MRA with 10 years) | 5 years | Based on high-3 when you left |
Law enforcement officers, firefighters and air traffic controllers have special provisions with a 1.7% multiplier for the first 20 years, which this calculator does not apply.
Other parts of FERS retirement
- FERS supplement: bridges the gap to Social Security for unreduced retirements before 62.
- Thrift Savings Plan: estimate it with the TSP calculator.
- Cost-of-living adjustments: generally start at 62. The COLA matches inflation up to 2%, is 2% when inflation is between 2% and 3%, and is inflation minus 1 point above 3%.
- Unused sick leave: it is added to your service time for the calculation.
Frequently asked questions
How is a FERS pension calculated?
FERS basic annuity = high-3 average salary × years of creditable service × 1%. The multiplier is 1.1% if you retire at age 62 or later with at least 20 years of service. Example: $100,000 × 30 years × 1% = $30,000 a year, or $2,500 a month.
What is the high-3 salary?
It is the highest average basic pay you earned during any three consecutive years of service, usually your final three years. It includes locality pay but not overtime, bonuses or allowances.
How much is a FERS pension after 20 years?
With a $90,000 high-3, 20 years gives $18,000 a year ($1,500 a month) at 1%, or $19,800 a year ($1,650 a month) at 1.1% if you retire at 62 or later.
How much is a FERS pension after 30 years?
It is 30% of your high-3 at the 1% multiplier, or 33% at 1.1%. With a $100,000 high-3 that is $30,000 or $33,000 a year.
What is the FERS minimum retirement age?
The minimum retirement age (MRA) is 55 if you were born before 1948, rises gradually to 56 for those born from 1953 to 1964, and is 57 if you were born in 1970 or later. You can retire with an unreduced pension at MRA with 30 years, at 60 with 20 years or at 62 with 5 years.
What is the MRA+10 reduction?
If you retire at your MRA with at least 10 but fewer than 30 years of service, the pension is reduced by 5% for each year you are under age 62, unless you have 20 years and start the benefit at 60 or later. You can postpone the start date to reduce or avoid the cut.
What is the FERS supplement?
It is a temporary payment for people who retire with an unreduced pension before 62. It approximates the Social Security you earned as a federal employee: roughly your age-62 Social Security benefit × years of FERS service ÷ 40. It stops at 62.
Does a survivor benefit reduce my FERS pension?
Yes. Electing the full survivor benefit (50% of your pension to your spouse) reduces your annuity by 10%; the partial benefit (25%) reduces it by 5%.
Official sources
Last reviewed: November 2026. Estimate only, not an official OPM computation. Special provisions, part-time service and deposits are not included.
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