FERS guide
FERS retirement calculator
Use an independent FERS retirement calculator to estimate your annuity, retirement path, and planning questions before choosing a retirement date.
Short answer
A FERS retirement calculator helps you turn your birth date, service start date, planned retirement date, and high-three salary estimate into an educational annuity estimate and retirement-path check.
Last reviewed 2026-04-28
Who this page is for
This calculator page is for non-USPS federal employees covered by FERS who want a planning estimate before they decide whether to save a scenario or compare dates.
The current calculator is intentionally narrow. It supports regular immediate retirement, MRA+10 immediate, MRA+10 postponed, and deferred retirement. It does not support USPS/PSHB, disability retirement, special provision retirement, or transferred-to-FERS cases with a CSRS component.
What you need before starting
Gather your birth date, service start date, planned retirement date, and high-three salary estimate. The site does not ask for your SSN, employee ID, or agency login.
If you are not sure which retirement path fits, start with the guided calculator. It can help organize the estimate based on dates without asking you to know every label first.
Example: testing one retirement date
Imagine a non-USPS FERS employee who wants to test a retirement date before creating an account. They enter their birth date, service start date, planned retirement date, and high-three salary estimate.
The calculator organizes those inputs into a result page that shows whether the scenario appears to match a supported V1 path, the estimated annual and monthly annuity when the path is eligible, warnings, methodology, and source links.
What the calculator does and does not do
| Question | In this calculator | What to confirm separately |
|---|---|---|
| Retirement path | Checks supported V1 paths such as regular immediate, MRA+10, postponed MRA+10, and deferred retirement. | Confirm official eligibility with your agency benefits office and OPM materials. |
| Annuity estimate | Uses calculator inputs and documented FERS rules for an educational estimate. | Confirm official computation, deposits, redeposits, part-time service, and individual records. |
| Benefits planning | Links to FEHB, FEGLI, MRA+10, and methodology pages for planning context. | Confirm health, life insurance, survivor, tax, and financial advice questions with qualified sources. |
Sources
FERS Planner is independent and not affiliated with OPM. Results are educational estimates only, not official benefit determinations.