Estimated Annual Annuity
$0.00
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FERS Retirement Calculator
Estimate a basic FERS annuity using OPM-style assumptions: high-3 salary, creditable service, and the 1% or 1.1% formula.
This is a simplified estimate, not an OPM determination.
Formula Notes
- Under 62 or under 20 years: 1% × high-3 × service.
- Age 62+ with 20+ years: 1.1% × high-3 × service.
- FERS also includes Social Security and TSP outside this annuity estimate.
How the FERS estimate is built
OPM explains that a basic FERS annuity is based on your high-3 average salary and creditable service. This page uses the common 1% or 1.1% formula so you can see a quick planning estimate before reviewing your official retirement paperwork.
Planning table
| Scenario | Formula | Example |
|---|---|---|
| Under 62 / under 20 years | 1% × high-3 × service | $90,000 × 30 × 1% |
| 62+ with 20+ years | 1.1% × high-3 × service | $90,000 × 30 × 1.1% |
| Employee deductions | Basic payroll withholding | Shown for awareness only |
FAQs
Is this the official OPM annuity calculation?
No. It is a simplified planning estimate; OPM may apply additional rules, reductions, or special provisions.
Why does age 62 matter?
OPM uses a higher 1.1% multiplier when you separate at age 62 or older with at least 20 years of service.
Does this include Social Security or TSP?
No. Those are separate parts of FERS and are not included in this annuity-only calculator.
Can I use it for disability or special retirement rules?
No. Those cases can use different formulas and should be checked against official guidance.
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