Know your federal retirement number — before you file.
The free FERS retirement calculator built for 2026: pension, Special Retirement Supplement, sick-leave credit, survivor elections, VERA and deferred options — in about two minutes.
Simplified preview. The full calculator adds your supplement, sick leave, survivor election, VERA & deferred options.
Built for every FERS decision on the table right now
Regular retirement, early-outs, or walking away and deferring — the calculator handles each path with the actual OPM formulas.
Planning a normal retirement
See your annuity at MRA+30, 60+20, or 62+5 — including the 1.1% bonus multiplier at 62 with 20 years, sick-leave credit, and what a survivor election really costs.
Facing a RIF, VERA, or early-out
Offered the early retirement authority? Model a VERA annuity at 50+20 or any age with 25 years, when your supplement starts, and how it compares to staying.
Leaving government early
Five or more years in? Compare a deferred annuity with an immediate MRA+10 calculation, then review the postponement and FEHB rules before choosing a start date.
Make the decision with your own estimate
VERA, RIF, and deferred-resignation decisions can arrive on short deadlines. The calculator gives you an independent estimate while you wait for your agency's official figures.
Compare your annuity, supplement, and the value of working longer before you answer an early-out offer or set a separation date.
Run my numbers nowHow it works
Enter your numbers
Enter your date of birth, service computation date, high-3 salary, and sick leave. The free calculation stays in your browser. If you buy, the report inputs are sent securely to generate and email the PDF.
Get your estimate instantly
Eligibility, net monthly pension, Special Retirement Supplement with the 2026 earnings test, and an income preview chart to age 70.
Go deeper when it matters
Unlock a printable report with the full computation, scenario comparisons (work 1 more year? take the VERA?), year-by-year income to 95, and an action checklist.
How your FERS pension is actually calculated
Your FERS basic annuity is 1% of your high-3 average salary for each year of creditable service. Retire at age 62 or later with at least 20 years and the multiplier rises to 1.1% — a permanent 10% raise that makes "one more year" worth real money for many feds. Unused sick leave converts to extra service credit (2,087 hours = 1 year) in the computation.
If you retire before 62 under the MRA+10 provision, your annuity is reduced 5% for every year you are under 62 — but the supplement disappears too, which surprises a lot of people. Under a VERA early-out (age 50 with 20 years, or any age with 25), there is no age reduction, and the Special Retirement Supplement begins at your MRA.
The FERS Special Retirement Supplement bridges some retirees to Social Security. Our estimate uses your age-62 Social Security benefit × ((rounded civilian FERS years, capped at 40) ÷ 40). It ends around age 62 under OPM's month-of-entitlement rules. The 2026 earnings limit is $24,480, with a $1 reduction for every $2 of earned income over the limit. TSP withdrawals don't count. For eligible special-provision retirees, the earnings test begins at MRA.
Our calculator runs all of these rules — multipliers, reductions, sick leave, survivor elections, the supplement and its earnings test, diet-COLA projections — using the formulas published by OPM. Read the full methodology, or run your own numbers free.
The calculator is free. Paid reports start at $29.
Choose Essentials for the calculation details or Complete for scenarios, lifetime totals, TSP integration, and a year-by-year table.