FERS Pension Calculator

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Rules checked against OPM/TSP pages, Oct 2026

Estimate only, not financial advice. Your official figures come from OPM when your retirement is processed.

Simplifications: Assumes full-time FERS-only service (no part-time, CSRS component or unpaid deposits), unused sick leave converted at 2,087 hours per year and counted in the pension amount only (never toward eligibility or the 20-year test for 1.1%; the 20-year point is our conservative reading and is not confirmed against OPM), and a regular or special-provision (LEO/FF/ATC) employee who is not a Member of Congress or disability retiree. Does not cover deferred, early (VERA/discontinued service) or disability retirement. MRA+10 reduction uses 5/12 of 1% per full month under 62. The survivor cost is shown as 10%/5% of the unreduced pension; OPM applies the exact order of reductions.

High-3 average salary ($)Years of creditable service (do NOT include sick leave)Unused sick leave hours (optional; adds to the pension amount only)Age at retirementYour MRA (see table)Retirement type

Estimate only, not financial advice. Your official figures come from OPM when your retirement is processed.

Sources: OPM FERS Computation · OPM FERS Eligibility · TSP RMDs