FERS supplement
$1,500/mo rough estimate
This rough estimate prorates the entered Social Security age-62 benefit by FERS service years. OPM uses an earnings-history computation, so the official amount can differ and is subject to the earnings test.
FERS retirement calculator
Estimate a standard federal retirement at one decision point: eligibility, monthly FERS annuity, MRA+10 reduction, supplement, FEHB check and projected TSP balance. No account; numbers stay in your browser.
Independent Free No sign-up Sources: OPM · IRS
Standard FERS only. This calculator does not model law-enforcement/firefighter/air-traffic-controller provisions, CSRS components, disability, VERA/RIF, military deposits, court orders or unused sick-leave conversion.
Eligibility result · MRA 57
Immediate, unreduced retirement
The entered age and service meet a standard OPM immediate-retirement combination.
Estimated FERS annuity after selected reductions
$3,000/mo
$36,000 per year before taxes, FEHB/FEGLI premiums and other deductions.
Base formula$36,000/yr
Multiplier1.0%
Age reduction0.0%
Survivor reduction0%
FEHB into retirement
Likely meets the planning checks
You appear to meet the enrollment-at-retirement and five-year/from-first-opportunity checks for carrying FEHB into an immediate retirement. Your agency and OPM make the final determination.
Projected TSP at separation
$493,397
The entered separation age meets the standard age-55 threshold for the qualified-plan early-distribution exception. Calendar-year timing and account type matter; verify before withdrawing or rolling to an IRA.
How to read your FERS estimate
The headline annuity starts with the OPM High-3 formula, applies any MRA+10 age reduction, then applies the survivor election you selected. It is a gross planning amount—not take-home pay. Federal and state taxes, FEHB, FEGLI, survivor premiums, deposits, court orders and other deductions can materially change the payment.
Why the separation age and annuity start age are different
The 1.1% multiplier looks at your age when you separate for retirement, not merely the age when a delayed annuity starts. Postponing an MRA+10 annuity can reduce or remove the age reduction, but it does not turn a separation before age 62 into the 1.1% formula.
Verify before filing. Use this result to compare dates and prepare questions, then confirm your service computation date, High-3, deposits, FEHB history and retirement route with your agency benefits officer and OPM.
Frequently asked questions
How is a standard FERS annuity calculated?
For a standard non-disability retirement, OPM generally multiplies your high-3 average salary by your creditable service and 1%. The multiplier is 1.1% only when you separate at age 62 or later with at least 20 years of service. Other reductions or elections can change the payable amount.
What is my FERS Minimum Retirement Age (MRA)?
MRA depends on birth year. It ranges from age 55 for people born before 1948 to age 57 for people born in 1970 or later. Pensora applies the complete OPM birth-year table.
What is the MRA+10 reduction?
An immediate MRA+10 annuity is generally reduced by 5/12 of 1% for each full month you are under age 62 when the annuity begins. The reduction can be reduced or eliminated by postponing, and does not apply with at least 30 years of service or with at least 20 years when the annuity starts at age 60 or later.
Is the FERS supplement estimate exact?
No. OPM builds an earnings history and applies a Social Security-style computation. Pensora provides a clearly labeled planning estimate by prorating the Social Security age-62 amount you enter by FERS service years, capped at 40. Your official amount can differ and may be reduced by the earnings test.
Can I keep FEHB in retirement?
For an immediate retirement, you generally need FEHB through the retirement date plus five years of coverage or coverage from your first opportunity. With a postponed MRA+10 annuity, coverage normally ends at separation but may be restored when the annuity starts if the enrollment-history rule was met. A deferred annuity generally does not restore FEHB. Your agency and OPM make the final determination.
This calculator is for educational purposes only and is not financial, tax, or legal advice. Pensora is independent and not affiliated with the SSA, the IRS, or any government agency. For decisions about your own situation, consider a licensed financial advisor.