FERS Pension Estimator
Estimate your federal civilian retirement annuity from your high-3 average pay and years of creditable service. Everything runs in your browser. Nothing is sent anywhere.
Your FERS basic annuity equals your high-3 average salary multiplied by your years of creditable service multiplied by 1.0 percent, or 1.1 percent if you retire at age 62 or older with at least 20 years of service (5 USC 8415). For example, $100,000 of high-3 pay with 30 years of service pays $30,000 per year before age 62, or $33,000 per year at age 62 or older with 20-plus years. Electing a survivor annuity reduces your payment by 10 percent for a 50 percent survivor benefit or 5 percent for a 25 percent survivor benefit.
Data current as of October 2026. Source: U.S. Office of Personnel Management (opm.gov), 5 USC 8415.
This is 0% of your high-3 pay, replaced as annual income.
How the math worked
This is an estimate for planning only, not legal, tax, or retirement advice. OPM applies the official computation rules, service-credit rules, and reduction provisions to your actual annuity. Always verify your benefit with OPM or your agency retirement counselor before making decisions.
How the FERS annuity is computed
The Federal Employees Retirement System pays a basic annuity computed from two things: your length of creditable service and your high-3 average salary. The formula is:
Annual annuity = high-3 average salary x years of service x accrual rate
The accrual rate is 1.0% for almost everyone. It rises to 1.1% when you retire at age 62 or older with 20 or more years of service. That is the only case in which the higher rate applies, and both conditions must be met at the same time.
Worked example, 1.0% case: a federal employee with a high-3 average salary of $100,000 and 30 years of creditable service retires at age 57. The computation is $100,000 x 30 x 0.01 = $30,000 per year, or $2,500 per month.
Worked example, 1.1% case: the same employee waits until age 62 with 30 years of service. The computation becomes $100,000 x 30 x 0.011 = $33,000 per year, or $2,750 per month. Waiting for the higher multiplier adds $250 per month, $3,000 per year, for life.
Creditable service is measured in years and months. OPM adds all periods of creditable service and drops any fractional part of a month. Full months beyond the last full year are credited proportionally. Unused sick leave counts toward the service used in the computation (full credit for FERS), though it cannot be used to establish eligibility to retire.
Example annuities at a $100,000 high-3 salary
The table below applies the official formula at a flat $100,000 high-3 for service from 5 to 40 years. The 1.1% column assumes the retiree meets both 62-plus age and 20-plus years of service conditions.
| Years of service | 1.0% multiplier | 1.1% multiplier (age 62+, 20+ yrs) |
|---|---|---|
| 5 | $5,000 | n/a (under 20 years) |
| 10 | $10,000 | n/a (under 20 years) |
| 15 | $15,000 | n/a (under 20 years) |
| 20 | $20,000 | $22,000 |
| 25 | $25,000 | $27,500 |
| 30 | $30,000 | $33,000 |
| 35 | $35,000 | $38,500 |
| 40 | $40,000 | $44,000 |
Download the example annuity table as CSV
Data current as of October 2026. Source: U.S. Office of Personnel Management (opm.gov), 5 USC 8415.
Learn more about FERS retirement
- How the FERS Annuity Is Computed, Step by Step
- The FERS Supplement: Bridge Payments to Age 62
- Buying Back Military Time Under FERS
- FERS Disability Retirement: How It Works
- FERS Survivor Benefit Options Explained