FERS Social Security Offset Calculator

Estimate how Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) affect your benefits

Calculate Your SS Offset Impact

See how WEP and GPO rules may reduce your Social Security benefits

Your Work History

Years you paid into both FERS and Social Security
Years in jobs that didn't pay into Social Security (e.g., some state/local government)
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Understanding WEP and GPO

Windfall Elimination Provision (WEP)

WEP reduces your Social Security benefit if you receive a pension from work where you didn't pay Social Security taxes AND you also have enough Social Security credits to qualify for benefits.

WEP Formula (Simplified):

Standard SS formula uses: 90% of first bend point
WEP formula uses: 40% of first bend point (reduction of 50%)

Maximum reduction in 2026: $557/month
Reduction decreases with more years of substantial earnings

Government Pension Offset (GPO)

GPO affects spousal or survivor benefits. If you receive a government pension, your spousal/Social Security benefit is reduced by 2/3 of your government pension amount.

Scenario Impact
Your FERS pension: $2,400/month GPO reduction: $1,600/month (2/3)
Spousal benefit you'd receive: $1,200/month After GPO: $0 (fully offset)

Get Complete Retirement Picture

Calculate your full FERS benefits including pension, TSP, and accurate Social Security estimates.

Main FERS Calculator →

Educational use only: Results are estimates. For official benefit determinations, use your agency HR/OPM retirement services—not this page alone.

Windfall and offset concepts for federal retirees

Use the sections below to align this calculator with your real planning questions—each block matches a common search intent.

FERS + Social Security coordination

Some retirees face WEP, GPO, or CSRS components—this tool gives rough awareness, not a legal determination.

Why SSA data matters

Offsets depend on SSA earnings records and pension amounts—request official SSA estimates.

Federal pension vs SSA timing

Compare annuity start dates with SSA filing ages for survivor and spousal strategies.

Disclaimer

  • WEP/GPO rules are complex; use SSA guides and licensed advisors for individual cases.

Related Calculators & Guides

Authority & primary sources

Official rules change periodically. Cross-check estimates with Retirement Services at OPM.gov and your agency’s human resources office.

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