Free Tool

FERS Retirement Calculator

Estimate your annuity, the FERS supplement, and your eligibility — for Regular FERS and Special Provisions (LEO, firefighter, ATC). Every number shows its formula.

Average of your highest 36 consecutive months of basic pay.
Used to find your Minimum Retirement Age (MRA).
years
months
years
months
Total creditable civilian service (excludes sick leave).
Adds to your computation at 2,087 hours = 1 year. Never affects eligibility.
From your ssa.gov statement. Needed to estimate the FERS supplement.

This is the quick estimate. The report is the full picture.

The FedRetireCheck Readiness Report compares two candidate retirement dates side by side — retirement-date tradeoffs, survivor and FEHB elections, the supplement earnings test — with every figure cited to the governing rule.

Get the $49 report
Founder price $49 · manually reviewed
How this is calculated & what it leaves out:

All math is deterministic — the same inputs always give the same result — and follows the published OPM rules for the FERS basic annuity, eligibility, unused sick leave, special-provisions service, and the annuity supplement. This is a self-only, gross estimate. It intentionally does not account for: survivor-benefit reductions, taxes, FEHB/FEGLI premiums, part-time proration, military/civilian deposits, CSRS or CSRS Offset, or deferred/disability retirement. Your official figures are determined solely by OPM and may differ.

Educational estimate only — not financial, tax, or legal advice.