High-3 Average Salary Calculator

How much of your pension is actually taxable, and what reaches your account. The IRS simplified method splits every payment into the contributions you already paid tax on and the rest — then federal tax, state tax and FEHB and FEGLI premiums come out of what is left.

What inflation does to a pension every other calculator here treats as fixed — the FERS diet COLA, the years before 62 when no increase is paid at all and none of it is made up, and what your annuity is worth in today's dollars at 90.

What your spouse is paid if you die — the lump sum and lifetime annuity a death in service buys with no election at all, against the survivor annuity a retirement election pays for, worked out from the same career. Their health insurance follows one of the two.

What a disability retirement actually pays — 60% of high-3 for the first year and 40% after, both cut by your Social Security disability benefit, with the annuity your service already earned as a floor underneath and a fresh computation at 62 that credits every year spent on the roll.

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.

The Civil Service Retirement System pension on its own tiered 1.5/1.75/2% formula — with the 80% ceiling, the sick leave credit that is allowed past it, and the CSRS Offset reduction at 62 each shown as its own line.

The 6c retirement law enforcement officers, firefighters, couriers, CBP officers and air traffic controllers earn — 1.7% of high-3 for the first 20 years, no age reduction, and what the enhanced formula is worth against the ordinary one.

The earliest date you can retire and be paid straight away — every FERS age-and-service rule dated from your birthday and your service computation date.

Convert unused sick leave hours into the months of service credit OPM's 2,087-hour chart actually grants — including the odd days that get dropped.

What your pension does if you leave federal service before you can retire — which of the two annuities you are owed, what each commencing date pays after the 5% a year reduction, and why one path keeps your health insurance while the other ends it for good.

What it costs to add military service to your federal pension — 3% of your military basic pay under FERS, plus every year of OPM's compounded interest — and how long the larger annuity takes to pay it back.

What it costs to make federal civilian service count — the deposit for time worked with no retirement deductions and the redeposit for time you took a refund for, with OPM's compounded interest and the rule that decides what happens if you never pay.

What part-time federal service does to your pension — the proration factor built from the hours you actually worked, the annuity the same career would pay full-time, and the gap between them. Your eligibility dates do not move.

What the annual leave you never used pays when you leave federal service. The balance is projected forward over workdays and holidays rather than multiplied, so January's raise reaches only the hours that fall on and after its effective date — and the flat 22% held back is withholding, not tax.