FERS Phased Retirement Calculator
Plan your transition from full-time work to full retirement with part-time salary plus partial annuity (agency program rules apply).
Enter Your Information
Your current basic pay
Total credible civilian service
Average of highest 3 consecutive years
Percentage of full-time you want to work (20-80%)
How long you plan to stay in phased status (3-60 months)
How phased retirement fits OPM rules
Phased retirement is optional—your agency must participate and you need a written agreement. You generally work 20–80% of a full-time schedule while receiving a partial annuity, with mentoring or knowledge-transfer duties.
What this calculator models
We approximate partial annuity as a share of a simplified full-career annuity and add part-time salary. Official OPM calculations use your complete service history, retirement coverage, and elections.
FEHB and timing
Keep FEHB eligibility in view: confirm with HR how phased status affects premiums and when you transition to full retirement.