Federal Retirement, in Plain English
Start with your numbers.
The free FERS calculator estimates your pension, supplement, and eligibility — Regular FERS and Special Provisions — with the formula shown.
Open the free FERS calculator$Your FERS Pension
How your basic annuity is actually computed — the formula, your high-3, the multipliers, and service credit.
◷Eligibility & Timing
When you can go, what an early-out changes, and how to pick a retirement date worth thousands.
+The FERS Supplement
The bridge payment that fills the gap to age 62 — who gets it, and how working can shrink it.
✓Process & Filing
Getting your application through OPM cleanly — and surviving the processing backlog financially.
+Healthcare & Insurance
FEHB into retirement, the five-year rule, FEGLI, and Medicare coordination — the irreversible elections.
TYour TSP
Withdrawals, the age rules, Roth vs. traditional, and whether to keep your money in the TSP at all.
★Special Provisions
Law enforcement, firefighters, and ATC — enhanced computation, early eligibility, mandatory retirement, and the supplement exemption.
≡Retirement Income
Your three income streams — pension, Social Security, and TSP — and how to sequence them into a steady paycheck.
Want your own numbers, not general rules?
The FedRetireCheck Readiness Report compares your retirement scenarios side by side, with every figure cited to the governing rule.
Get the $49 report