FERS Retirement Calculator

Calculate your FERS retirement benefits including annuity, survivor benefits, and disability adjustments.

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This comprehensive FERS retirement calculator helps federal employees estimate their retirement benefits under the Federal Employees Retirement System. Enter your age, years of service, high-3 average salary, retirement type, and other factors to calculate your estimated annuity, survivor benefits, disability adjustments, and eligibility requirements. The calculator uses official FERS formulas including the 1% multiplier, age reductions, survivor benefit reductions, and disability calculations.

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Enter your current age
Enter your total years of federal service
Enter your high-3 average salary (average of your highest 3 consecutive years of earnings)
Select your retirement type (Immediate, Early, Deferred, or Disability)
Choose survivor benefit options if applicable
Click 'Calculate Retirement Benefits' to see your estimated annuity and breakdown

Frequently Asked Questions

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What is the FERS retirement formula?

The basic FERS annuity formula is: (High-3 Average Salary) × (Years of Service) × (1% for age 62+ with 20+ years, otherwise 1%). For early retirement, there are age reductions.

How are survivor benefits calculated?

If you elect a survivor benefit, your annuity is reduced by 10% for a full survivor benefit (50% of your annuity) or 5% for a partial survivor benefit (25% of your annuity).

What is the high-3 average salary?

This is the average of your highest 3 consecutive years of basic pay. It includes locality pay but excludes bonuses, overtime, and allowances.

Are there cost-of-living adjustments (COLAs)?

Yes, FERS retirees receive COLAs starting at age 62. The COLA is the lesser of the CPI increase or 2%, with any excess above 2% added at 1% less than the CPI increase.

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