Federal Pension (FERS) Calculator

Estimate your FERS annuity based on years of service and your high-3 average salary.

FERS multiplier applied
Annual annuity
Monthly annuity
Total over 20 years

Simplified estimate of the FERS basic annuity only. Excludes survivor benefit reductions, FERS Supplement, TSP, Social Security, unused sick leave credit, and part-time service proration. Verify with your agency HR or OPM.

How FERS is calculated

Your FERS annuity = High-3 Salary × Years of Service × Multiplier. The multiplier is 1% per year in most cases, but jumps to 1.1% if you retire at 62 or older with at least 20 years of service. That 10% bonus is worth staying for.

What this doesn't include

This covers your basic annuity only. FERS also includes Social Security and the Thrift Savings Plan (TSP). Most federal employees also get a FERS Supplement until age 62 if they retire before then.

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