Your pension.
What it actually pays, how it's calculated, the high-3 lever that sets it, the annuity supplement bridge, and how COLAs grow it.
Every guide in this cluster
The Average Federal Pension: What FERS Actually Pays (2026)
The ~$2,126/month average FERS annuity, the 1%/1.1% formula, why it's smaller than CSRS, and the three-legged stool — with an annuity estimator.
How the FERS Pension Is Calculated: The 2026 Federal Employee Guide
The full FERS pension formula — high-3, multipliers, special-category rules, sick leave conversion, and the 1.1% multiplier upgrade at 62/20. With a working pension estimator.
Maximizing Your High-3: The Lever That Sets Your FERS Pension (2026)
Your high-3 multiplies across every year of service, so small gains compound. What counts, the maximizing playbook, the 1.1% multiplier, and a calculator.
The FERS Annuity Supplement: The Complete 2026 Guide
The supplement bridges the gap from MRA to age 62 — and the OPM-vs-SSA estimate gap costs many retirees money they don’t know is missing. Includes a working supplement calculator.
FERS & CSRS COLAs Explained: The Diet COLA and Age-62 Wall (2026)
Why two identical retirees drift apart: the FERS age-62 wall, the diet-COLA cap, full CSRS adjustments, and why the supplement gets none — with a gap projector.
Back to the full pillar
This is one cluster of the FERS & CSRS pillar. Explore your pension, retirement timing, retiring early, survivor decisions, service credit, and special situations in the full pillar.
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