OPM Retirement Calculator
Estimate your federal retirement annuity under FERS or CSRS. See your projected monthly benefit, survivor annuity, and how your pension income grows with COLA over time.
Retirement System
Salary & Service
Retirement Details
Federal Retirement Readiness
Your annuity alone may not be sufficient. Focus on maximizing TSP contributions.
Monthly Annuity
$2,177
Annual Annuity
$26,125
Replacement Rate
28%
Monthly Annuity
$2,177
$26,125 per year
Replacement Rate
28%
of high-3 salary
Survivor Benefit
$1,089/mo
$13,063 per year
Lifetime Pension
$836,790
over 25 years
FERS Annuity
$26,125/yr
$2,177/mo
CSRS Annuity
$43,938/yr
$3,662/mo
Pension Income Over Time
Annual pension income with COLA adjustments (nominal vs real)
Cumulative Pension Income
Total pension income received over retirement
Personalized Insights
Actionable recommendations based on your numbers
Low Replacement Rate
Your annuity only replaces 28% of your high-3 salary. You may need significant TSP savings or other income sources to maintain your standard of living.
Enhanced FERS Multiplier Applied
Retiring at 62 with 25 years qualifies you for the 1.1% multiplier instead of 1%, adding $2,375 per year to your annuity.
CSRS vs FERS Comparison
Under CSRS, your annuity would be $17,813 more per year than under FERS. However, FERS employees also receive Social Security and TSP matching contributions.
Survivor Benefit Elected
Your surviving spouse would receive $1,089/mo ($13,063/yr), which is 50% of your annuity. This costs a small reduction to your own benefit.
Lifetime Pension Value
Over 25 years of retirement, your total pension income with COLA is projected at $836,790.
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