Fers Annuity Calculator
Estimate your Federal Employees Retirement System (FERS) annuity based on years of service, high-3 average salary, and age.
Published by:
isCalculator Editorial Team
Was this calculator helpful?
How to use this tool?
How to Use the FERS Annuity Calculator
This calculator estimates your annual and monthly FERS annuity based on your High-3 salary, years of service, age at retirement, and FERS type.
- Enter your High-3 Average Salary (in dollars, e.g., 80000). This is the average of your highest three years of pay.
- Enter your Years of Service (e.g., 20). You can use half-years (e.g., 20.5).
- Enter your Age at Retirement (e.g., 62). Must be a whole number.
- Select your FERS Type: Choose "Regular FERS" (1% accrual rate) or "Special" (1.7% for law enforcement, fire, etc.).
- Click "Calculate Annuity".
Results: You'll see the estimated annual annuity, monthly amount, and a breakdown showing the accrual rate, basic annuity, and any age reduction (5% per year under 62 if eligible).
Note: All inputs must be non-negative numbers. Invalid entries will show a red error.
Previous Results
| Result | Inputs | Date |
|---|
Frequently Asked Questions
The basic FERS annuity is calculated as: High-3 average salary × Years of creditable service × Accrual rate (1% for regular FERS, 1.7% for special provisions). For retirements before age 62 with at least 20 years, a 5% reduction per year under 62 applies.
The High-3 average salary is the average of your highest three consecutive years of basic pay. It is used as the basis for calculating your FERS annuity.
No, this calculator provides a basic estimate without COLAs. Actual annuity may increase with inflation adjustments after retirement.
