Free federal pension calculators
Your federal pension, added up year by year.
Put in your salary and your years of service, and see the monthly amount you can expect for life. Try it in the tally here, or open the full calculator. Free, no sign-up, and nothing to sell you. Every step of the arithmetic is shown, with the federal rule it comes from.
Work out yours →Example29 years of service
Each block is one year of federal service, and each year adds 1% of your salary average to your pension. In this example, 29 years at a $95,000 average pays $2,296 a month for life, before tax.
10 yrs$9,500/yr
20 yrs$19,000/yr
29 yrs$27,550/yr
$2,296a month
$95,000 × 1% × 29 years = $27,550 a year
- Worked: 28 years 6 months
- 6 months credited for 1,200 hours of unused sick leave
This is the formula for FERS, the retirement system for most federal employees hired since 1984. Your salary average is the average of your three best-paid years in a row, known as your high-3. The tally assumes retirement at 60, which takes no reduction for age. The full calculator asks your age, birth year and survivor election too.
All 19 calculators, by the question you’re asking
1How much will my pension be?
- FERS Annuity CalculatorYour monthly pension under FERS, the retirement system for most federal employees hired since 1984.
- CSRS Annuity CalculatorYour monthly pension under CSRS, the older system for people hired before 1984.
- FERS Special Provisions CalculatorThe higher pension earned by law enforcement officers, firefighters and air traffic controllers.
- High-3 Average Salary CalculatorThe average of your three best-paid years in a row. Every pension is worked out from it.
- Sick Leave Conversion CalculatorHow much extra service your unused sick leave adds to your pension.
2When can I go?
- Retirement Eligibility Date FinderThe earliest date you can retire and be paid straight away.
- Best Date to Retire CalculatorWhich day to make your last, and what a badly chosen one costs.
- Deferred vs Postponed Retirement CalculatorWhat happens to your pension if you leave before you are old enough to retire.
3What actually reaches my bank account?
- Federal Annuity Tax CalculatorYour pension after federal tax, state tax, and health and life insurance premiums.
- FERS Supplement CalculatorThe extra payment for people who retire before 62, and what a job afterwards takes back from it.
- FERS COLA CalculatorHow far your pension keeps up with rising prices over a long retirement.
- Annual Leave Lump Sum CalculatorWhat your unused annual leave pays out when you leave.
4Does all my time count?
- Military Buyback CalculatorWhat it costs to add your military service to your pension, and how fast it pays for itself.
- Civilian Deposit and Redeposit CalculatorWhat it costs to get credit for federal work that had no retirement deductions, or that you took a refund for.
- FERS Part-Time Proration CalculatorWhat years of part-time work do to your pension.
5What can I take from my TSP savings?
6What if something goes wrong?
Or browse by type:AnnuityService CreditTSP
Why you can check these numbers
Every step is shown
Each calculator lists the arithmetic line by line and names the federal rule behind each line, with a link to where the government publishes it. You can check any figure against the source yourself.
Nothing to sell you
No advisers, no consultation offers, no forms asking for your details, and no account. The calculators run in your browser, give you the number, and stop.
It says what it leaves out
Every calculator lists what it does not cover. Where our version of a rule is coarser than the government’s, it rounds against you and says so. An estimate that comes in a little low is a better surprise than one that comes in high.
A private site, for information only. FedAnnuity is not affiliated with OPM (the Office of Personnel Management, the agency that pays federal pensions) or with any part of the U.S. government. These are estimates, not professional advice. Only OPM can work out your actual pension.
Questions a calculator can’t settle
- What Changes at 62 for a Federal RetireeAge 62 moves four separate parts of a federal retirement at once, and they do not all move in the same direction. What each one does, and which ones you can still influence.
- Your High-3 Is Not Your Last Three SalariesThe highest average rate of basic pay over any three consecutive years, weighted by the time each rate was held. Three departures from the obvious reading, each worth thousands a year.
- Is Buying Back Military Service Worth It?For most FERS employees the deposit pays for itself inside the first year of retirement. The reasons not to are real, narrow, and none of them is about the money.
- The Days OPM Drops From Your PensionCreditable service is rounded down to whole months and the leftover days dropped. Sick leave is the one input you can still change: the OPM chart rounds it up.