federal calculator · 2 min

FERS Pension Estimator

Project your federal annuity. High-3, multiplier, FERS Supplement, COLA, and survivor options included.

High-3 average salary

Years of serviceInclude any approved sick-leave conversion at retirement.Retirement ageAnnuity start ageFor MRA+10, postponing can reduce or remove the age cut.Birth yearMRA computed from this: yours is 56.FERS contribution tierHire year determines this.Survivor electionReduces annuity but provides benefit to spouse.Annual COLA (%)Estimated SS at 62 (for Supplement)

Life expectancyPV discount rate (%)

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Run the quick check to see your result here.

This is a quick calculator, not the full map. Change the numbers, run it, and keep the result if it helps.

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Calculator disclosure

What you'll see here. This is an educational tool. Your planning inputs stay in your browser — The Retirement Atlas does not receive them. The numbers you'll see are observations and projections, not advice. They depend on the assumptions you enter and may not reflect your situation. Identifiable details (name, email, phone) are only collected if you separately choose to save your map, ask for help, or be matched with a licensed annuity specialist, and those flows have their own consent steps. Consult your own licensed financial professional before making any financial decision.

Learn more

Read the answer behind the calculator.

Federal answer

FERS MRA+10 retirement penalty

Read this first when the pension estimate starts before age 62 with 10 to 29 years of service.

Federal answer

FERS supplement earnings test 2026

Read the FERS supplement earnings-test page before running the pension estimator.

Federal answer

TSP G Fund in retirement

Use the TSP page when the pension estimate needs to sit beside federal savings.