The FERS Pension Calculator is a comprehensive Federal Employees Retirement System (FERS) pension calculator that helps federal employees estimate their retirement benefits. The calculator provides detailed projections based on various factors including:
- a. FERS supplement eligibility
- b. Employee type (regular, law enforcement, firefighter, air traffic controller)
- c. Retirement type (optional, early, deferred, disability)
- d. Salary information (current and high-3 average)
- e. Years of service
- f. Retirement age
- g. Survivor benefits options
FERS Pension Calculator
Comprehensive Federal Employees Retirement System (FERS) pension estimation tool
Employee Information
Pension Estimate
Eligibility Status
Enter your information and click “Calculate Pension” to see your estimated benefits.
Calculation Breakdown
Calculation Steps
Benefit Composition
Retirement Scenarios
Disclaimer: This calculator provides estimates only. For official retirement estimates, contact your HR office or request an official estimate from OPM. This tool is for educational and planning purposes only.
Key Features
The calculator features:
- Interactive sliders for easy input adjustment
- Detailed breakdown of calculations
- Visual charts showing benefit composition
- Scenario comparison tool
- Dark mode toggle
- Responsive design that works on all devices
- Printable reports
How to Use FERS Pension Calculator
1. Enter Basic Information
- Employee Type: Select your employment category (regular, LEO, firefighter, or ATC)
- Retirement Type: Choose your planned retirement type (optional, early, deferred, or disability)
- Salary Information:
- Enter your current annual salary
- Enter your high-3 average salary (use the slider or type directly)
- Service Information:
- Enter your total years and months of creditable service
- Retirement Age: Enter your planned retirement age
- Birth Year: Enter your birth year to calculate your Minimum Retirement Age (MRA)
2. Set Additional Options
- Survivor Benefits: Choose whether to include survivor benefits (none, full 50%, or partial 25%)
- FERS Supplement: Choose whether to include the FERS supplement (if eligible)
3. Calculate and View Results
Click “Calculate Pension” to see:
- Monthly and annual pension estimates
- Replacement ratio (pension vs. current salary)
- Detailed breakdown of calculations
- Eligibility status
- Visual chart of benefit components
4. Explore Scenarios
The calculator automatically generates three comparison scenarios:
- Retiring at your Minimum Retirement Age (MRA)
- Retiring at age 62
- Working 5 more years
5. Save Scenarios (Optional)
Click “Save Scenario” to store your current inputs for future reference. Saved scenarios are stored in your browser’s local storage.
6. Print or Export (Optional)
Use your browser’s print function (Ctrl+P or Cmd+P) to print or save as PDF. The print view automatically hides non-essential elements.
Key Features
- Interactive Sliders: Easily adjust salary, service time, and retirement age
- Tooltips: Hover over question mark icons for detailed explanations
- Dark Mode: Toggle between light and dark themes
- Detailed Breakdown: See exactly how your pension is calculated
- Visual Charts: Understand your benefit composition at a glance
- Scenario Comparison: Compare different retirement options side-by-side
Technical Notes
- All calculations are performed client-side in your browser
- Data is only saved locally if you choose to save scenarios
- The calculator uses modern web technologies (HTML5, CSS3, JavaScript)
- Compatible with all modern browsers (Chrome, Firefox, Safari, Edge)
Limitations
- Estimates may differ from official OPM calculations
- Does not account for future law changes
- Simplified FERS supplement calculation
- Doesn’t include TSP or Social Security benefits
For official retirement estimates, always consult with your HR office or OPM.