FERS Pension Calculator

Estimates the gross annual FERS basic annuity using the standard formula — high-3 average salary, creditable service, and the applicable multiplier — plus your annual leave payout.

High-3 average salary $ Average of the highest 36 consecutive months of basic pay (including locality pay).

Service — years yrs Months mo Days days

Creditable federal service at retirement, not counting sick leave. Days are optional, but they can combine with sick leave to make another full month.

Age at retirement years Year of birth

Your Minimum Retirement Age (MRA) depends on your year of birth. Special provision employeeLaw enforcement, firefighter, air traffic controller and similar positions. Uses 1.7% for the first 20 years and 1.0% after.

Add unused sick leave

Sick leave balance hours Converted with OPM’s 2,087-hour chart.

Annual leave payout

Annual leave balance hours Final salary $

Your annual basic pay, including locality, when you retire.

Federal tax rate % State tax rate %

Agencies usually withhold a flat 22% federal tax on this payment; your actual tax depends on your total income for the year. Enter your state’s rate (0 if none). Social Security and Medicare (7.65%)The 6.2% Social Security part stops once your wages for the year reach $184,500 (2026).

Estimated Gross Pension

$0/mo

$0 per year

Service0y 0m

Sick leave credit—

Service used for pension0y 0m

Multiplier1.0%

High-3 average$0

Annual Leave Payout

Gross payout$0

Federal tax$0

State tax$0

Social Security and Medicare$0

Estimated after taxes$0

The pension shown is your gross FERS basic annuity: nothing is taken out for a survivor benefit, deposits, health or life insurance, or taxes. The leave payout taxes use the rates you enter and are estimates, not tax advice. Figures are illustrative; your agency and OPM determine your actual service credit and benefits.

How the FERS Pension Calculator Works

Enter your high-3 salary, your years and months of service, and your age at retirement. Add unused sick leave or check special provision if they apply. The calculator shows your estimated gross pension and flags whether you’d be eligible at that age.

What Your Pension Estimate Means

Your pension is the foundation of your retirement income, and a few choices change it for life: your retirement date, whether you qualify for the 1.1% multiplier, and whether an early retirement triggers a permanent reduction. Retiring a few months earlier or later can make a lasting difference. That’s the conversation we help you have.

New to federal benefits? Start with our Federal Retirement Workshop or learn what makes Stonebridge different.

Frequently Asked Questions About the FERS Pension

What counts as creditable service?

Your federal civilian service, plus military service you’ve made a deposit for. Unused sick leave increases your pension but doesn’t count toward eligibility or the 20 years needed for the 1.1% multiplier.

When do I get the 1.1% multiplier?

When you retire at 62 or older with at least 20 years of service. Otherwise it’s 1.0%. Special provision employees use 1.7% for their first 20 years.

What reduces my pension?

Retiring under MRA+10 (at your Minimum Retirement Age with 10 to 29 years of service) reduces your pension by 5/12 of 1% for each full month you’re under 62 when it starts, which is 5% a year, for life. You can avoid the reduction by postponing when your pension starts: to age 60 if you have at least 20 years of service, or to age 62 if you have fewer than 20.

Does my pension get cost-of-living increases?

Generally starting at 62, or earlier for special provision retirees.

Ready to see how the pieces fit together for your specific situation?

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What You Get When You Work With Stonebridge

A Personalized Federal Retirement Roadmap

We bring together your pension, TSP, FEHB, FEGLI, survivor benefits, Social Security, and retirement timing into one coordinated retirement plan.
You’ll see where you stand today, the options available to you, your projected retirement income, and a retirement timeline you can move toward with confidence.

Plain-Language Guidance, Not Sales Pressure

Federal retirement is complicated enough without jargon, sales tactics, or manufactured urgency.
We explain your options clearly, answer your questions honestly, and help you understand the trade-offs before making decisions.
Decisions happen at your pace, not ours.

Colorado-Based Federal Retirement Specialists

Stonebridge is based in the Denver metro area and serves federal employees throughout Colorado’s Front Range.
Meet with us in person at our Inverness office or virtually from anywhere in Colorado.
When questions arise, you’ll have a local team you can reach, not a national call center.

Serving Federal Employees Across The Colorado Front Range

Stonebridge is based in the Denver metro area and works with federal employees throughout Colorado’s Front Range.

Our clients serve in a wide range of federal agencies and organizations across the state, including the Denver Federal Center, VA Eastern Colorado Health Care System, Buckley Space Force Base, the Internal Revenue Service, the United States Mint, NREL, NOAA, NIST, and many others.

We meet with clients in person at our Inverness office and virtually throughout Colorado.

Primary Service Area

Denver · Littleton · Highlands Ranch · Centennial · Lakewood · Englewood · Parker · Castle Rock · Aurora · Arvada · Westminster · Broomfield · Thornton · Wheat Ridge · Golden · Lone Tree

Extended Service Area

Colorado Springs · Boulder · Fort Collins · Loveland · Greeley · Pueblo

Get Your Federal Retirement Report

Workshop attendees are eligible to receive a personalized Federal Retirement Report at no cost and with no obligation. Built around your service history and benefits, it shows where you stand today and the decisions ahead: your pension, Social Security, survivor benefit, FEGLI, TSP and FEHB.

Register for an upcoming workshop to get started.

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