Tools
Federal retirement calculators
These federal retirement calculators turn the published OPM, TSP and FEHB rules into educational estimates on numbers you type in. Each one shows its assumptions, dates its inputs and explains the math in words, so you can check it against your own records.
None of them asks for your name. None of them is the official figure: OPM computes your annuity when you retire, and that number is the one that counts. If you are a free FFEBA member, you can save results and come back to them.
Your pension
- FERS pension estimatorYour basic annuity by pathway: immediate, MRA+10 now or postponed, deferred, early out, special provisions or CSRS, with the reduction, supplement and FEHB lines.
- High-3 builderYour high-3 average salary from up to six salary periods, breaks in service closed up, with a part-time proration factor.
- FERS supplement estimatorThe bridge payment from your retirement date to age 62, with the earnings test shown.
- Survivor benefit costWhat the full and partial survivor elections cost you each month, and what your survivor would receive.
- COLA impactHow a cost-of-living adjustment changes an annuity under the CSRS and FERS rules, including the age-62 rule.
- Military buybackThe deposit on your military basic pay and the service it adds to your annuity.
- CSRS retirement calculatorThe 1.5, 1.75 and 2 percent steps, the 80 percent cap, the early-out reduction and the CSRS survivor cost.
- FERS disability estimatorOPM's published computation: 60 percent of high-3 the first year, 40 percent after, SSDI offsets, and the recomputation at 62.
- Civilian deposit estimatorA deposit or redeposit for past service, with OPM's yearly interest compounded to the year you pay.
Leaving early
- Severance pay estimatorBasic severance, the age adjustment and the one-year cap, paid in biweekly installments.
- VSIP buyout estimatorThe buyout as the lesser of your severance entitlement and the cap, and what is left after withholding.
- Service computation date calculatorYour retirement, leave and TSP dates from the service periods you enter, and the leave tier that follows.
Your dates
- Retirement date finderYour minimum retirement age by birth year and the first dates you qualify for each type of retirement.
- Retirement countdownDays, pay periods and leave-year ends between today and your chosen date.
- Sick leave conversionYour unused sick leave hours turned into the years, months and days of service credit OPM adds.
- Annual leave lump sumThe payout for unused annual leave when you separate, at your hourly rate.
Your money and insurance
- TSP calculatorContributions, the agency match and a hypothetical illustration of balance growth at a return rate you choose, not a projection.
- FEHB vs MedicareSide-by-side yearly premiums for FEHB alone and FEHB plus Medicare Part B at 65.
- FEGLI cost by ageYour Basic and optional FEGLI premiums now and in each later age band.
- GS pay and locality lookupYour annual and hourly pay by grade, step and locality from the current OPM tables.
- Social Security at 62, full age and 70Your monthly benefit at each age from the SSA statement figure, with the break-even ages.
- TSP loan calculatorThe payment per pay period, the interest you pay yourself, the fee and your estimated maximum.
- TSP withdrawal calculatorHow long a balance lasts at a monthly withdrawal and a return you choose, the age-55 rule and your RMD age.
How we build these tools
Every calculator uses the rule as OPM, the TSP or the Social Security Administration publishes it, and every figure it reads from a table carries the source and the date we retrieved it. When a rule changes, we update the tool and its date. See the source tables on the data pages, or read the plain-language guides behind each tool.
When the numbers raise a question
A calculator shows the shape of a decision. It cannot see your SF-50, your service history or your family's needs.
FFEBA is an education organization. If you want someone to look at your own numbers, we can match you with a Federal Retirement Consultant (FRC®), a professional trained on federal benefits. The FRC designation is listed with FINRA. The first review is free, nothing is booked until you choose a time, and you are never obligated to work with anyone we introduce. Get matched with an FRC.
All calculators
Twenty-three tools, one rule each.
FERS pension estimator
Estimate your FERS basic annuity by pathway: immediate, MRA+10 now or postponed, deferred, early out, special provisions or CSRS, with the reduction,…
Open the tool 02High-3 builder
Build your high-3 average salary the way OPM does: up to six salary periods, breaks in service closed up, under three years averaged, and a part-time…
Open the tool 03CSRS calculator
Estimate your CSRS annuity with OPM's 1.5, 1.75 and 2 percent formula, the 80 percent cap, sick leave credit, the early-out reduction and the…
Open the tool 04Disability estimator
See how OPM computes a FERS disability annuity: 60 percent of high-3 in year one, 40 percent after, the SSDI offsets, the earned annuity check and…
Open the tool 05Severance pay
Estimate federal severance pay the way OPM's worksheet does: weeks of pay per year of service, the age adjustment over 40, the 52-week cap and your…
Open the tool 06VSIP buyout
Estimate a federal VSIP buyout: the lesser of your severance formula and the cap, then federal, Social Security, Medicare and state withholding to a…
Open the tool 07SCD calculator
Work out your retirement, leave and TSP service computation dates from your service history, with OPM's 360-day count, the leave accrual tier and the…
Open the tool 08Civilian deposit
Estimate a civilian service credit deposit or redeposit under FERS or CSRS: the 1.3 or 7 percent base, OPM's yearly interest compounded, the total…
Open the tool 09Social Security three ages
Compare your Social Security benefit at 62, at full retirement age and at 70 from your SSA statement, with the break-even ages and the totals each…
Open the tool 10TSP loan
Estimate a TSP loan payment per pay period, the interest you pay back into your own account, the processing fee and a check against the loan
Open the tool 11TSP withdrawal
Test how long a TSP balance could last at a monthly withdrawal and a return you choose, with the age-55 penalty rule, your RMD start age and a…
Open the tool 12FERS supplement estimator
Estimate your FERS supplement from your Social Security estimate at 62 and your years of FERS civilian service, plus how the earnings test could…
Open the tool 13Retirement date finder
Find your FERS minimum retirement age by birth year and the first date you qualify for each retirement type, plus the timing rules that make some…
Open the tool 14TSP calculator
See your TSP contributions and agency match per paycheck, then illustrate balance growth at a return rate you choose. Educational estimate, not a…
Open the tool 15FEHB vs Medicare
Compare the yearly cost of keeping FEHB alone with FEHB plus Medicare Part B at 65, including any IRMAA surcharge. Educational estimate on your…
Open the tool 16Sick leave conversion
Turn your unused sick leave hours into the years, months and days OPM adds to your service for the annuity computation, and see what it adds to a…
Open the tool 17Annual leave lump sum
Estimate the lump-sum payment for your unused annual leave when you leave federal service, at your hourly rate with locality pay. Educational…
Open the tool 18Military buyback
Estimate your FERS military service deposit from your military basic pay, and see how much the bought-back years could add to your annuity each year,…
Open the tool 19Survivor benefit cost
See what a full or partial FERS survivor annuity costs you each month and what your spouse would receive, plus why the election also decides survivor…
Open the tool 20FEGLI cost by age
Estimate your FEGLI Basic and Option A, B and C premiums now and in each later age band, using OPM's current rate tables. See how costs change as you…
Open the tool 21GS pay lookup
Look up your 2026 GS annual and hourly pay by grade, step and locality pay area, straight from OPM's tables, and see your next step increase date and…
Open the tool 22COLA impact
See how a cost-of-living adjustment changes a CSRS or FERS annuity, with the FERS diet-COLA rule, the age-62 rule and first-year proration explained…
Open the tool 23Retirement countdown
Count the days, workdays and pay periods to your federal retirement date, with leave-year ends, holidays and a checklist of what to file at each…
Open the toolThe data, dated
Eight tables, each with its source.
Straight from OPM, the TSP and CMS, stamped with the date we retrieved it. Nothing projects forward.
- 01COLA historyopm.govRetrieved 2026-07-05
- 02GS pay tablesopm.govRetrieved 2026-07-05
- 03FEHB premiumsopm.govRetrieved 2026-07-05
- 04FEGLI ratesopm.govRetrieved 2026-07-05
- 05TSP returnstsp.govRetrieved 2026-09-10
- 06Federal holidaysopm.govRetrieved 2026-10-11
- 07IRMAA bracketscms.govRetrieved 2026-10-11
- 08Sick leave chartopm.govRetrieved 2026-10-11
From DailyFED
What federal employees are reading.
- Retirement2027 Best Dates to Retire Under FERSChoosing the right retirement date can affect when your FERS annuity begins, how much leave you earn, and whether you receive payment for unused annual leave.
- RetirementTax on Social Security Can Rise With Pension and TSP IncomeYour federal pension and TSP withdrawals can affect the amount of tax on Social Security income you pay in retirement.
- WorkforceHatch Act Rules Come Into Focus Ahead of the MidtermsWith the 2026 midterm elections approaching on November 3, Hatch Act rules have been clarified by the Office of Special Counsel, which recently issued new guidance and announced enforcement actions…
- BenefitsPreparing for FEHB Open Season 2027Federal employees and retirees have two reasons to review their health insurance during FEHB Open Season 2027: nine Federal Employees Health Benefits (FEHB) plan options and one Postal Service Health…
The free benefits review
“Can I retire at 57 with the FERS supplement?”
It depends on your birth year, your years of service and whether you keep working, because the supplement has an earnings test and stops at 62. An FRC works it through on your own record, and the review costs you nothing.
- 01Career stage
- 02Retirement system
- 03Years of service
- 04Your state
- 05Help you want
Five questions, then you see your match. FRC professionals may be compensated if you choose to work with them.