FERS guide
Free FERS Retirement Calculator (No SSN Required)
Use a free FERS retirement calculator with no SSN required. Preview your annuity range, retirement path, and date-planning questions.
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, retirement-path check, and next-step planning list without sharing your SSN, employee ID, or agency login.
Last reviewed 2026-05-01
Start with these inputs
- Birth date
- Creditable civilian service start date
- Planned retirement date to test first
- Rounded high-three salary estimate
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, compare dates, or request an official estimate.
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.
What makes this useful from search
Many search results explain a formula or a retirement term, but the hard decision is usually a date question: what changes if you retire now, at MRA, at 60, or at 62.
Use this page as the entry point. Start with one free estimate, then use the result to decide whether a comparison, saved scenario, or benefits checklist is worth your time.
How to use the first result
Treat the first estimate as a planning baseline. Once you see the retirement path, annual estimate, monthly estimate, warnings, and source links, decide which date is worth comparing next.
Many users start by testing one planned date, then ask whether waiting until age 60 or 62 changes the conversation. The page does not hand-write alternate calculations; it points you back to the calculator so each comparison uses the same tested flow.
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, an annuity preview, warnings, methodology, and source links. The first pass is meant to answer whether a date is worth comparing, not replace an official OPM estimate.
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. |
| Privacy | Lets you run a planning estimate without SSN, employee ID, or agency login credentials. | Keep official records and sensitive identifiers with your agency systems and trusted professionals. |
Common questions
Is this FERS calculator official?
No. FERS Planner is independent and not affiliated with OPM. The calculator gives educational estimates only, and your agency and OPM records control official retirement decisions.
What information do I need for a free FERS estimate?
You need your birth date, creditable civilian service start date, planned retirement date, and a rounded high-three salary estimate. The calculator does not ask for your SSN, employee ID, or agency login.
Which retirement paths does the calculator support?
The V1 calculator supports regular immediate retirement, MRA+10 immediate retirement, MRA+10 postponed retirement, and deferred retirement for non-USPS FERS employees.
Sources
FERS Planner is independent and not affiliated with OPM. Results are educational estimates only, not official benefit determinations.