Annuity
What your pension pays
A federal annuity is not a market return or a projection — it is an arithmetic result, fixed by statute, from three numbers: your high-3 average salary, your years of creditable service, and your age when you leave.
The trouble is that the adjustments sit in a 100-page handbook, and a calculator that hides them behind one figure gives you no way to check it. These tools show every step, and name the rule and source behind each one.
Work out the monthly pension your federal service earns, with the age reduction, sick leave credit, and survivor election each shown as its own line.
Open tool →Find the highest 3 consecutive years of basic pay in your history — the single figure every FERS and CSRS annuity is computed from.
The earliest date you can retire, and what each extra year of waiting is worth.
Convert unused sick leave hours into the months of service credit OPM's 2,087-hour chart actually grants.