FERS Retirement Calculators

Free tools to help federal employees plan their retirement with confidence

Main FERS Calculator

Complete retirement estimator with pension, TSP, SRS, and multi-scenario comparison

Launch Calculator

FERS Pension Calculator

Estimate your basic annuity with detailed breakdown of the FERS formula

Calculate Now

FERS Annuity Calculator

Focus on basic annuity terminology, High-3, and service credit—ideal for “annuity” searches

Estimate Annuity

Federal Employee Retirement

Comprehensive retirement planning tool for all federal employees

Start Planning

High-3 Salary Calculator

Determine your highest 3-year average salary for accurate pension estimates

Calculate High-3

Sick Leave Converter

Convert unused sick leave hours to additional service credit

Convert Sick Leave

Military Buyback Calculator

Calculate the cost and ROI of buying back military service time

Calculate Cost

Special Retirement Supplement

Estimate your SRS bridge payment until Social Security eligibility

Estimate SRS

Early Retirement Options

Explore MRA+10, VERA, and other early retirement scenarios

Check Eligibility

TSP Projection Calculator

Project your Thrift Savings Plan balance at retirement age

Project TSP

TSP Withdrawal Planner

Plan optimal TSP withdrawal strategies for retirement income

Plan Withdrawals

TSP RMD Calculator

Calculate Required Minimum Distributions from your TSP account

Calculate RMD

FEHB Retirement Cost

Estimate your health insurance premiums in retirement

Estimate Costs

FERS Health Insurance

Compare FEHB plans and coverage options for retirees

Compare Plans

Survivor Benefit Calculator

Estimate survivor annuity payments for your spouse

Calculate Benefits

Social Security Offset

Understand how SS offsets your FERS pension (WEP/GPO)

Check Impact

LEO Retirement Calculator

Special enhanced formula for law enforcement officers (1.7%)

Calculate LEO Benefits

Firefighter Retirement

Enhanced retirement benefits for federal firefighters

Calculate Benefits

USPS Retirement Calculator

Postal service retirement benefits under FERS and CSRS Offset

Calculate USPS Benefits

Disability Retirement

Estimate FERS disability retirement annuity amounts

Estimate Disability

COLA Estimator

Project future pension with cost-of-living adjustments

Estimate COLA

Tax Calculator

Estimate federal and state taxes on your FERS retirement

Calculate Taxes

Phased Retirement

Work part-time while receiving partial annuity payments

Explore Options

Educational tools: Each calculator below is designed around a specific federal retirement question. None replace an official OPM estimate or HR counseling.

Start with the right calculator for your question

Match your search intent to the tool: pension math, TSP cash flow, insurance premiums, or occupation-specific rules.

Pension & service credit

Use Main, Pension, Annuity, High-3, sick leave, buyback, and early retirement tools when you are still modeling eligibility and annuity math.

TSP, tax & withdrawals

Open TSP projection, withdrawal, RMD, and tax when you sequence retirement income and brackets.

Health & survivors

FEHB cost, health plan comparison, and survivor benefit help with premiums and spouse protection.

Meta & machine-readable summary

This page’s title and description summarize the full directory; structured data in the document head tells search engines these tools are free finance utilities for U.S. federal employees.

Need Help Choosing?

Not sure which calculator is right for you? Start with our Main FERS Calculator for a comprehensive estimate, or read our FERS Formula Guide to understand how your benefits are calculated.

Try Main Calculator Browse Guides

Pair calculators with guides

Read the formula, then run the matching tool—strong internal links help users and search engines.

Core retirement calculators

Most visitors start here, then open specialty tools.