Estimate your FERS pension — and your whole retirement paycheck.

The one number every fed wants: your annuity, after the reductions that actually apply, plus the FERS supplement, Social Security, and TSP income stacked into a monthly total. Private — nothing leaves your browser.

01 Your Service

Planned retirement age

Years of creditable service

High-3 average salary ($)

Average of your highest 3 consecutive years of basic pay.

Your Minimum Retirement Age (MRA)

Sliding scale between 55 and 57. Most current employees are 57.

Special provisions (LEO, firefighter, ATC)?

02 Elections & Other Income

Survivor annuity election

Estimated Social Security at 62 ($/month)

From your SSA statement. Also drives the FERS supplement estimate.

TSP balance ($)

TSP withdrawal rate (%)

Net annual FERS pension

$—

—

Gross annuity

$—

Before reductions

FERS supplement

$—

Until age 62

Social Security

$—

When you claim it

TSP income

$—

At your withdrawal rate

Your estimated retirement paycheck

The FERS supplement stops at 62; Social Security typically starts around then. So your income has two phases.

Before age 62

$—

Pension + supplement + TSP

$—/mo

Age 62 and after

$—

Pension + Social Security + TSP

$—/mo

Formulas verified against OPM.gov (July 2026). Estimates only — your actual annuity depends on your service computation date and OPM adjudication.