Free estimate

Start your FERS estimate

Answer a few questions to estimate your FERS annuity and retirement path.

Your basic information

Use your best available dates and high-three salary estimate. You can compare another retirement date after you see the first result.

We do not ask for your SSN, employee ID, or agency login. You can calculate an estimate before creating an account.

Your dates

Dates help estimate your age, service length, and selected retirement path.

Birth date

Used to estimate your age at the planned retirement date.

Service start date

Used to estimate years of creditable civilian service.

Planned retirement date

Pick the date you want to test first.

Your retirement scenario

Choose the path that best matches the estimate you want to run.

Retirement scenario

V1 supports regular immediate, MRA+10 immediate, MRA+10 postponed, and deferred retirement estimates.

Your salary estimate

High-three salary is generally your highest average basic pay over any three consecutive years of federal service.

High-three salary estimate

Use a rounded annual basic pay estimate. This is not asking for W-2 income or take-home pay.

Independent educational estimate. Not affiliated with OPM.

No SSN or employee ID required.

Source-backed methodology.

Not ready to calculate yet? Get a simple checklist to compare retiring now, at 60, or at 62.