Terms of Use

Educational purpose only

FERS Retirement Calculator is a free educational tool. The estimates it produces are approximations based on published FERS rules and the inputs you provide. They are not an official OPM annuity computation, not benefits counseling, and not legal, tax, or financial advice. Only your agency HR office, your servicing retirement counselor, and OPM can determine your actual benefits.

No warranties

The site and its estimates are provided "as is" without warranties of any kind, express or implied. While formulas are checked against OPM's FERS Computation guidance, rules change and individual circumstances vary — special provisions, deposits owed, partial-year service, and pay history can all change the real numbers. Verify everything important with official sources before acting.

Limitation of liability

To the maximum extent permitted by law, the site's operators are not liable for any loss or decision made in reliance on the estimates or content provided. Retirement decisions have lasting consequences; use this tool to prepare questions for your HR office, not as the final word.

Acceptable use

You may use and share the calculator freely, including embedding it via the provided embed page with attribution. You may not misrepresent the tool as an official government service, scrape the site in a way that degrades service for others, or use it in any manner that violates applicable law.

Intellectual property

The site's design, text, and code are the property of its operators. FERS rules, formulas, and official guidance referenced here are US government works; the calculator implements publicly available rules and claims no rights over them.

Changes to these terms

These terms may be updated from time to time; the last updated date above reflects the current version. Continued use of the site after changes constitutes acceptance. Questions can be sent to [email protected].