FERS guide
FERS annuity supplement earnings limit
Understand why FERS annuity supplement earnings-test planning is separate from the basic annuity estimate.
Short answer
The FERS annuity supplement can be subject to an earnings test, but the basic FERS annuity itself is a separate benefit. Current-year exempt amounts can change, so this page avoids publishing a stale dollar limit.
Last reviewed 2026-04-28
Why this page avoids a stale dollar amount
Earnings-test exempt amounts can change over time. Publishing a number without dated review would create a trust problem, so this page focuses on the planning structure instead.
Use the source links to verify the current amount and the income categories that count before making a retirement work decision.
How to use this with the calculator
Start with the basic FERS annuity estimate. Then, if the supplement may be relevant, create a separate checklist for earnings, age, retirement type, and official supplement guidance.
Do not treat a basic annuity result as a supplement estimate. The product intentionally keeps that boundary clear.
Example: separating annuity planning from earnings planning
A retiree may have a basic FERS annuity estimate and also wonder whether post-retirement work affects a supplement.
The planning move is to separate the questions: first estimate the basic annuity, then review whether the supplement applies and whether earned income needs separate tracking.
Supplement earnings-test planning
| Question | Planning note | Source-review note |
|---|---|---|
| Does the supplement apply? | Supplement eligibility depends on retirement type and should not be assumed for every FERS retiree. | Review OPM supplement guidance before planning around it. |
| Does earned income matter? | The supplement can be subject to an earnings test, separate from the basic annuity. | Check the current official exempt amount before making income decisions. |
| Should the calculator include it? | The current V1 calculator does not estimate a supplement amount. | Future supplement estimates need dated source review and tests. |
Sources
This independent educational page does not publish a current-year earnings-limit dollar amount. Check official sources for the current amount before making work or income decisions.