FERS Pension Calculator
Estimate your Federal Employees Retirement System (FERS) pension benefit based on your high-3 average salary, years of service, and retirement age. See how COLA adjustments grow your pension over time.
FERS Pension Details
COLA Adjustment
FERS Pension Strength
Your FERS pension is a solid retirement foundation. Supplement with TSP and Social Security for full coverage.
Monthly Benefit
$2,406
Multiplier
1.1%
Monthly Pension
$2,406
$28,875/year
Replacement Rate
26%
of $110,000 salary
Lifetime Total
$972,246
over 26 years
FERS Multiplier
1.1%
Enhanced (age 62+, 20+ yrs)
FERS Pension Income with COLA Growth
Projected annual pension over retirement years
Pension Milestones
| Year | Age | Annual Pension | Monthly Pension | Cumulative Total |
|---|---|---|---|---|
| 1 | 62 | $28,875 | $2,406 | $28,875 |
| 5 | 66 | $31,255 | $2,605 | $150,267 |
| 10 | 71 | $34,508 | $2,876 | $316,173 |
| 15 | 76 | $38,100 | $3,175 | $499,346 |
| 20 | 81 | $42,065 | $3,505 | $701,585 |
| 25 | 86 | $46,444 | $3,870 | $924,874 |
| 26 | 87 | $47,372 | $3,948 | $972,246 |
Personalized Insights
Actionable recommendations based on your numbers
1.1% Multiplier Activated
Because you are retiring at age 62 with 25 years of service, you qualify for the enhanced 1.1% multiplier instead of 1%. This increases your annual pension by $2,625.
Moderate 26% Salary Replacement
Your pension provides a solid foundation. Plan to supplement with TSP withdrawals and Social Security to reach your target income.
COLA Protects Against Inflation
With a 2% annual COLA, your pension grows from $28,875/year to $34,508/year after 10 years, an increase of $5,633. Over your full retirement, COLA adds significantly to your lifetime benefit.
$972,246 Lifetime Pension Value
Over 26 years of retirement, your FERS pension is projected to pay a total of $972,246 in benefits including COLA adjustments. This is a significant guaranteed income stream.
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