FERS pension calculator
Use this FERS pension calculator to estimate a standard federal basic annuity from your high-3 salary, creditable service and retirement age. See annual and monthly amounts before reductions and deductions.
Your scenario
Method and limitations
Annual amount = high-3 basic salary × creditable years and whole months × standard accrual factor. The factor is 1.1% for age 62 or older with at least 20 entered whole years; otherwise 1%. This is a base amount, not a payable annuity. No MRA plus 10 reduction, eligibility decision, part-time adjustment, disability, special category or CSRS component is included.
Rule source: OPM FERS computation (opens in a new tab). Rules checked 28 October 2026.
How to estimate your FERS basic pension
Your federal pension is one part of retirement income alongside Social Security and any TSP savings. Start with confirmed basic pay and creditable service, then check eligibility separately. This calculator displays the base annuity; the amount you actually receive can be lower.
Worked example
With a $95,000 high-3 salary, 25 years of service and separation at age 62, the standard 1.1% factor gives $26,125 annually, or about $2,177.08 monthly before adjustments.
Questions about this calculator
Does this estimate include the FERS supplement?
No. It excludes the retirement supplement, Social Security, TSP withdrawals and survivor elections.
Is the FERS calculator an official OPM estimate?
No. It is an independent planning tool. Confirm your service record, eligibility and payable annuity with your benefits office.