FERS Retirement Calculator

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Rules checked against OPM/TSP pages · Last updated October 27, 2026

Estimate your whole FERS retirement in one place: your pension (1% of high-3 per year, or 1.1% at 62+ with 20 years, per OPM), your earliest retirement date, your FERS Supplement and how long your TSP lasts. Free, no sign-up, and your numbers stay in your browser.

Estimate only, not financial advice. Your official figures come from OPM when your retirement is processed.

Worked example: $90,000 high-3, 30 years, retiring at 57

Pension: $90,000 × 30 × 1% = $27,000 a year ($2,250 a month), unreduced under MRA+30 if 57 is your MRA (OPM computation, OPM eligibility).
FERS Supplement: paid until 62 because this is an unreduced immediate retirement before 62 (OPM). With an example $1,800 age-62 Social Security estimate: $1,800 × 30 ÷ 40 = $1,350 a month.
TSP: RMDs start at 75 if you were born in 1960 or later (TSP.gov).

FERS Pension Calculator

Your FERS pension is 1% of your high-3 average salary for each year of service, or 1.1% if you retire at 62 or older with at least 20 years (OPM). MRA+10 retirees lose 5% for each year under 62.

High-3 average salary ($)Years of creditable service (do NOT include sick leave)Unused sick leave hours (optional; adds to the pension amount only)Age at retirementYour MRA (see table)Retirement type

Open the full FERS Pension Calculator with worked example and FAQs →

When Can I Retire? (MRA) Calculator

You can retire with a full FERS pension at your MRA with 30 years, at 60 with 20 years, or at 62 with 5 years. Your MRA is 55 to 57 depending on birth year; it is 57 if you were born in 1970 or later (OPM).

Birth yearBirth month (1-12)Year you started federal service (FERS-creditable)

Open the full When Can I Retire? (MRA) Calculator with worked example and FAQs →

FERS Supplement Calculator

OPM estimates the FERS Supplement as your full-career (40-year) Social Security benefit at 62 × your FERS civilian years ÷ 40. It is paid with an unreduced immediate retirement before 62 and stops at 62 (OPM).

Social Security estimate at age 62 ($/month, from ssa.gov/myaccount)Years of FERS civilian service (OPM rounds to the nearest whole year)Expected yearly earnings from work after retiring ($)

Open the full FERS Supplement Calculator with worked example and FAQs →

TSP Withdrawal Calculator

How long your TSP lasts depends on your balance, withdrawals and returns. Required minimum distributions start at 73 if you were born before 1960 or 75 if born in 1960 or later, once you have left federal service (TSP.gov).

TSP balance at start ($)Expected yearly return (%)Yearly withdrawal ($)Raise withdrawal each year by (%)Your age at startBirth year (for RMD age)

Open the full TSP Withdrawal Calculator with worked example and FAQs →

Estimate only, not financial advice. Your official figures come from OPM when your retirement is processed.

Frequently asked questions

What is a FERS retirement calculator?

A tool that estimates your FERS pension, retirement dates, FERS Supplement and TSP income using OPM and TSP rules. Ours is free and an estimate only, not financial advice.

How is the FERS pension calculated?

1% × high-3 × years of service, or 1.1% at 62 or older with 20 years. Source: OPM FERS Computation.

What would a $90,000 high-3 with 30 years at 57 pay?

$90,000 × 30 × 1% = $27,000 a year ($2,250 a month) before deductions, if 57 is your MRA. Sources: OPM Computation and Eligibility.

When can I retire under FERS?

At 62 with 5 years, 60 with 20, MRA with 30 (unreduced), or MRA with 10 (reduced). Source: OPM FERS Eligibility.

When do TSP RMDs start?

At 73 if born before 1960, or 75 if born in 1960 or later, once you have left federal service. Source: TSP.gov.