FERS Annuity Calculator

Federal Retirement

Estimate your FERS retirement annuity based on your high-3 average salary, creditable service, retirement age, and MRA+10 timing choices. This calculator helps you see how the standard formula and any age reduction could affect your estimated annual and monthly benefit. Enter your information below to get started.

Complete the quick lead form to unlock your personalized FERS annuity estimate.

1 Lead

2 Intro

3 Salary

4 Retirement

5 Estimate

Step 1: Tell us where to send your results

Introduction

Use this calculator to estimate your FERS annuity using the standard formula based on your high-3 average salary and creditable service. It also lets you model an MRA+10 retirement and see how postponing the start of your annuity could reduce or eliminate the age reduction.

High-3 average salary drives the base annuity calculation
Creditable service should include years and additional months
Retiring at age 62 or later with at least 20 years may use a higher multiplier
MRA+10 retirements may be reduced if the annuity starts before age 62
Postponing the annuity commencement date can reduce or eliminate that reduction

Salary and Service

All fields are required to use this calculator.

High-3 average salary

High-3 average salary is the average of your highest-paid consecutive 3 years. Years of creditable service Enter full years of service used in your FERS annuity formula. Additional months of creditable service Additional months are normalized into a decimal for the annuity formula.

Retirement Details

All fields are required to use this calculator.

Retirement age

Is this an MRA+10 retirement?

No Use the standard FERS formula only. Yes Model any age reduction and commencement timing choices.

Standard FERS formula

Your annuity estimate starts with high-3 salary, multiplier, and total normalized service.

Higher multiplier

A 1.1% multiplier may apply at age 62 or later with at least 20 years of service.

MRA+10 reduction

Starting an MRA+10 annuity before age 62 can permanently reduce the benefit.

Postponing commencement

Delaying the annuity start date can reduce or eliminate the MRA+10 age reduction.

FERS Annuity Estimate

See below for an estimate of your FERS annuity based on the information you provided.

Estimated Annual Annuity

$0.00

Estimated Monthly Annuity $0.00

High-3 Average Salary

Not provided

Years of Creditable Service

Not provided

Additional Months of Service

Not provided

Total Normalized Service Used in Formula

Not provided

Retirement Age

Not provided

MRA+10 Retirement

Not provided

Annuity Commencement Timing

Not provided

Annuity Commencement Age

Not provided

Multiplier Used

Not provided

Base Annual Annuity

Not provided

Age Reduction Percentage

Not provided

Age Reduction Amount

Not provided

Estimated Annual Annuity

Not provided

Estimated Monthly Annuity

Not provided

This annuity estimate is based on the formula and selections used in this calculator. It is intended as a planning tool only and is not a guarantee of your actual retirement benefit.