CIA & Intelligence Pension Calculator
Estimate your intelligence community pension under CIARDS or FERS Enhanced. Compare retirement systems, see COLA growth projections, and plan your intelligence community retirement.
Retirement System
Pension Details
COLA & Projections
Intelligence Pension Strength
Your intelligence community pension provides excellent income replacement with generous service credit and COLA protection.
Monthly Benefit
$4,875
Effective Multiplier
45.0%
Monthly Pension
$4,875
$58,500/year
Replacement Rate
42%
of $140,000 salary
Lifetime Total
$2,373,232
over 30 years
System
CIARDS
45.0% multiplier
Pension Income with COLA Growth
Projected annual pension over retirement years
CIARDS vs FERS Enhanced Comparison
Annual pension under each retirement system
Pension Composition
Breakdown of your pension benefit
Total
$58,500
Net Pension
100%$58,500/yr
System Comparison
Side-by-side comparison of CIARDS and FERS Enhanced
| System | Monthly Pension | Annual Pension | Lifetime Total |
|---|---|---|---|
| CIARDS | $4,875 | $58,500 | $2,373,233 |
| FERS (Enhanced) | $4,225 | $50,700 | $2,056,802 |
Pension Milestones
| Year | Age | Annual Pension | Monthly Pension | Cumulative Total |
|---|---|---|---|---|
| 1 | 55 | $58,500 | $4,875 | $58,500 |
| 5 | 59 | $63,322 | $5,277 | $304,436 |
| 10 | 64 | $69,913 | $5,826 | $640,559 |
| 15 | 69 | $77,190 | $6,433 | $1,011,665 |
| 20 | 74 | $85,223 | $7,102 | $1,421,395 |
| 25 | 79 | $94,094 | $7,841 | $1,873,772 |
| 30 | 84 | $103,887 | $8,657 | $2,373,232 |
Personalized Insights
Actionable recommendations based on your numbers
CIARDS Retirement System
Under CIARDS, you earn 2% of your high-3 salary per year for the first 20 years and 1% per year after that. With 25 years of service, your effective multiplier is 45%, producing a base pension of $58,500/year.
Solid 42% Salary Replacement
Your pension provides a strong foundation. Plan to supplement with TSP withdrawals and Social Security for full income replacement.
CIARDS Pays $7,800 More Per Year
CIARDS provides $58,500/year versus $50,700/year under FERS Enhanced. Over your retirement, this difference amounts to $316,431 in additional lifetime benefits.
COLA Protects Against Inflation
With a 2% annual COLA, your pension grows from $58,500/year to $69,913/year after 10 years, an increase of $11,413. COLA adds significantly to your lifetime benefit.
$2,373,232 Lifetime Pension Value
Over 30 years of retirement, your pension is projected to pay $2,373,232 in total benefits including COLA adjustments.
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