Apply official basic multipliers to user-entered high-3 pay and creditable service without determining eligibility.
Calculate with the FERS Retirement Calculator
Enter the details below. Required values are validated before results are shown.
FERS Retirement Calculator results
How to use the FERS Retirement Calculator
- Choose the display currency and any calculation mode or frequency.
- Enter each required value using a consistent currency and time basis.
- Select Calculate or press Enter.
- Review the result explanation, assumptions, and any schedule before relying on the estimate.
Worked example
Age 62 with 25 years uses 1.1% × high-3 × 25 before entered reductions.
Understanding the results
The summary separates the most important output from supporting values. Currency selection changes formatting only; it does not convert exchange rates or alter a currency-independent formula.
Official program information: OPM FERS computation
Versioned rules and sources
FERS basic annuity computation
- Applicable year
- Current OPM formula
- Published or updated
- Current online guidance
- Last verified
- 2026-08-04
The estimate does not determine eligibility, deposits, redeposits, special service classification, supplement eligibility, tax, or an official high-3 computation.
Frequently asked questions
Which FERS multiplier does this estimate use?
Automatic mode uses 1.1% only at age 62 or older with at least 20 years; otherwise it uses 1%. Special provision is explicitly selected. The result depends on the values and assumptions entered, so compare it with the applicable provider or official rule.
Can I use decimal values in the FERS Retirement Calculator?
Yes. Decimal values are supported. Results are calculated at full JavaScript numeric precision and formatted for readability.
Are the FERS Retirement Calculator results guaranteed?
No. The calculator provides an estimate based on the entered assumptions and is not financial, tax, investment, lending, payroll, or legal advice.