FERS Pension Estimator

Your Federal Employment Profile

Current Annual Salary (High-3 Base)

Your current annual basic pay. Your High-3 average will be projected from this.

Expected Annual Raise (%) 2.0%

Average annual pay increase (GS step + locality adjustments).

Years of Creditable Service

Total years of creditable federal service at retirement, including military buyback if applicable.

Current Age

Your current age. Used to project salary growth and FERS Supplement eligibility.

Planned Retirement Age

Age you plan to retire. FERS MRA is typically 56-57 depending on birth year.

FERS Category

Standard: 1%. Enhanced: 1.1% if retiring at 62+ with 20+ years. Special Provisions: 1.7% for first 20 years, 1% thereafter.

COLA Assumption (%) 2.5%

Projected CPI inflation. FERS COLAs: full if CPI ≤ 2%, CPI - 1% if CPI > 3%, capped at 2% if between.

Life Expectancy 85

Used to project total lifetime pension income and COLA impact.

Include FERS Supplement? (bridges MRA to age 62)

Estimated Social Security Benefit at 62

Your estimated monthly Social Security benefit at age 62. The FERS Supplement approximates this.

Elect Survivor Benefit?

Monthly Pension
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before survivor reduction

Annual Pension

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first year

FERS Supplement

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monthly, until age 62

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Age	Annual Pension	FERS COLA	FERS Supplement	Total Annual Income	Cumulative Income