FERS Pension Calculator 2025

The basic FERS formula is: High-3 Average Salary × 1% × Years of Creditable Service. If you retire at age 62 or older with 20+ years of service, the multiplier increases to 1.1%, giving you a 10% larger pension for the same years of service.

The FERS Supplement (also called the Special Retirement Supplement) bridges the income gap between FERS retirement and age 62 when you can claim Social Security. It is paid to employees who retire under MRA+30 or age 60+20 rules. The amount equals your estimated Social Security benefit multiplied by your federal service years divided by 40. It stops at age 62.

Your High-3 is the average of your three consecutive years of highest basic pay. These do not need to be your last three years. For most employees the High-3 is their last 3 years of service since pay typically increases over a career.

FERS has three main voluntary retirement options: (1) Immediate unreduced — MRA with 30+ years, age 60 with 20+ years, or age 62 with 5+ years. (2) Deferred — you separate before MRA but defer the pension start date. (3) MRA+10 — retire at MRA with 10-29 years, but your pension is reduced 5% for each year you are under age 62.

FERS is sometimes called the "three-legged stool" — FERS pension, Social Security, and TSP. The government automatically contributes 1% of your salary to TSP and matches your contributions dollar-for-dollar up to 3%, then 50 cents on the dollar for the next 2% (for a total match of up to 5%). Maximizing TSP contributions is critical to a comfortable federal retirement.