Federal & Military Retirement Calculators
Free, accurate tools for federal employees and military members. Estimate your retirement benefits in minutes using official OPM formulas and 2025 DoD pay tables.
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Our Calculators
All calculators use official government formulas. Results are estimates for educational purposes — always verify with OPM, DFAS, or your HR office.
Military Retirement Pay Calculator
Estimate your military pension under BRS, High-3, or Final Pay using real 2025 DoD base pay tables. Includes Survivor Benefit Plan (SBP) cost and TSP income projections for BRS members.
FERS Pension Estimator
Project your Federal Employees Retirement System pension using official OPM formulas. Enter your High-3 salary, years of service, and retirement type to see your annual pension, FERS supplement, and total monthly retirement income.
Military Service Buyback Calculator
Calculate the exact cost to buy back prior military service into FERS. Includes OPM interest rates, monthly pension increase from buyback, break-even analysis, and a clear recommendation on whether it is worth it.
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Also Available on Our Sister Site
militarypayhub.netMilitary pay and allowances calculators — including BAH, BAS, and drill pay — are hosted at our sister site militarypayhub.net.
BAH Calculator
Calculate your Basic Allowance for Housing (BAH) by duty station zip code, pay grade, and dependency status. Updated with 2025 BAH rates for all locations.
Calculate BAH →More Tools Coming Soon
BAS calculator, drill pay estimator, and more military pay tools launching at militarypayhub.net
How to Use These Calculators
Enter Your Information
Input your years of service, pay grade or salary, and retirement details. All inputs are estimates — use your actual HR records or LES for precision.
Review Your Estimate
Each calculator shows a detailed breakdown of how your benefit is calculated using the official formula, so you understand exactly where the numbers come from.
Verify with Official Sources
Use these results as a starting point. Contact OPM, DFAS, or your agency HR office for a formal benefit estimate before making retirement decisions.
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Disclaimer: All calculators on this site provide estimates for educational purposes only. Results are not financial, legal, or tax advice. Actual benefits may vary based on individual circumstances. Always consult OPM, DFAS, your agency HR office, or a qualified financial professional before making retirement decisions.
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