FERS Retirement Calculator: Embedded Estimate

FERS Retirement Calculator

Prepared: 2026-08-14. Independent educational estimate, not an official OPM benefit determination.

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Federal pension estimator

Estimate your FERS pension in under 30 seconds.

Enter three numbers for a quick estimate, then open advanced options to include sick leave, military buyback, special provisions, and survivor benefits.

Quick estimate $27,500 per year / $2,292 per month

Example shown: $100,000 High-3, 25 years of service, age 62. Based on the OPM FERS formula .

Your inputs stay in this browser. This estimate is for education only and is not an official OPM benefit determination.

Your estimate

Updates as you change the inputs.

Annual FERS pension

$27,500

$2,292 per month before taxes

Based on the FERS formula from OPM. Independent educational estimate, not affiliated with OPM. Last updated: 2026-08-14

Multiplier: 1.1%
After survivor: $27,500
FERS Supplement: $0
FERS total monthly: $2,292

Projected retirement income

Monthly after taxes: $2,292
Total with SS/TSP: $2,292
Replacement rate: 27.5%

Total includes FERS, Supplement where eligible, Social Security at 62+, TSP, and other income. Taxes are rough estimates. Replacement rate compares your FERS pension to your High-3 salary.

How this is calculated

Retirement age comparison

Same inputs

Survivor benefit comparison

Same pension inputs

What this means

Compare retirement ages

Service is projected forward or backward from the age you entered. These are planning scenarios, not official determinations.

Estimate $27,500 / $2,292

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Estimate your FERS pension in under 30 seconds.

Educational estimate, not an official determination.

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