FERS Retirement Calculator
Run the free estimate in your browser, then get a paid PDF report by email when you're ready. Grab your SF-50 and most recent Leave & Earnings statement and you'll be done in two minutes.
Facing a VERA or DRP offer?
Run it now — VERA, deferred, and immediate MRA+10 calculations are included.
See the rules
Your information
Your results will appear here
Fill in the form and press Calculate. In seconds you'll see:
- Your eligibility & retirement type (incl. VERA and deferred)
- Net monthly & annual pension estimate
- FERS supplement with the 2026 earnings test
- Your income preview chart to age 70
Free · No account · Nothing leaves your browser
Not yet eligible
Tip: try a later separation date, or check your SCD. If you have at least 5 years of civilian service, you may still qualify for a deferred annuity later — the Complete Report compares that path.
Estimated net monthly pension
$0
Age at separation
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Service for computation
—
Net annual annuity
—
FERS supplement
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Retirement income preview (to age 70)
Earliest unreduced retirement: —
Your numbers, fully worked out
Essentials Report
$29
- Complete pension computation, line by line
- Supplement + 2026 earnings-test math
- Survivor election cost/benefit
- HR verification checklist
- Printable / save as PDF
Complete Report
$79
- Everything in Essentials, plus:
- Scenario comparison: your date, +1 yr, +3 yrs, age 62, and eligible VERA or deferred alternatives
- Monthly pension and lifetime income through age 90 for each eligible scenario
- Year-by-year income table to 95 with COLAs
See what you get
A paid report is emailed as a PDF with your pension math, supplement worksheet, survivor election impact, and HR checklist. Open a sample PDF.
One-time payment · PDF emailed to you · Secure checkout via Stripe