FedAnnuity

Service Credit

Making service count

Every other calculator on this site starts from your years of service and works out what they pay. These start one step earlier, from a question that has to be answered first: does this time count, and how much of it counts— and where the answer is “not in full”, what it costs to change that.

Military service, a first job on a temporary appointment, a few years you left and took the refund for — none of it is automatically part of your pension. Each has its own price, its own compounding interest, and its own deadline, and in one case its own flat refusal. Part-time service is the opposite case: it counts automatically, in full, for every date that decides when you can go, and then reduces the pension by the fraction of the hours you worked. These tools compute the price and name the rule that sets it.

Military Buyback Calculator

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.

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Civilian Deposit and Redeposit Calculator

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.

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FERS Part-Time Proration Calculator

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.

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