FERS Retirement Annuity Calculator
Estimate the gross federal pension from high-3 salary, creditable service, and the selected formula.
Example estimate
Gross monthly FERS annuity
$2,750.00
- Gross annual annuity
- $33,000.00
- Regular accrual rate
- 1.1%
- Selected age reduction
- 0.0%
An illustrative calculation. Review the assumptions below before using the result.
Gross pension, before elections
The regular formula is high-3 annual salary × creditable service × 1%, or 1.1% at 62 or older with at least 20 years. The special-category option assumes all entered service qualifies under the selected special formula. The MRA+10 option applies the chosen whole-year age reduction; it does not determine eligibility, service-credit purchases, survivor election, disability, FEHB, tax or a supplement.
Questions, answered.
Does this use my personal records?
No. Enter amounts or assumptions only. The site cannot retrieve an SSA earnings record, bank account, pension award or tax return.
Can I calculate with JavaScript turned off?
Yes. Each form sends a standard GET request and PHP calculates the result. JavaScript only improves the update and consent experience.
Why do the official numbers differ from my result?
Individual eligibility, exact dates, rounding, deductions and rules omitted from a simplified scenario can change the amount. Check the source and your own agency notice.
Can I print the calculation?
Use your browser’s print command. The inputs, result and assumptions remain; navigation and consent controls are removed from the printed view.
Check the sources.
Data checked October 1, 2026.