USPS Pension Calculator
Calculate your USPS retirement benefits under FERS (Federal Employees Retirement System). Estimate your postal pension, FERS supplement, TSP income, and Social Security for a complete retirement picture. Most postal workers hired after 1984 are under FERS.
Personal Details
FERS Pension Details
Thrift Savings Plan (TSP)
Social Security
USPS Retirement Readiness Score
Your combined USPS retirement benefits provide excellent income. With FERS pension, TSP, and Social Security, you are well-positioned for a comfortable retirement.
Total Monthly Income
$4,940
Replacement Ratio
91%
FERS Monthly Pension
$1,907
$22,880/year
TSP Monthly Income
$833
at 4% withdrawal
Total Monthly Income
$4,940
91% replacement ratio
Lifetime Income
$1,497,172
over 23 years
Monthly Income Breakdown at Retirement
FERS Pension: $1,907/mo
TSP Income: $833/mo
Social Security: $2,200/mo
Retirement Income Sources Over Time
FERS pension, supplement, TSP, and Social Security income through retirement
Cumulative Retirement Income
Total income from all sources accumulated over time
Personalized Insights
Actionable recommendations based on your numbers
Strong replacement ratio: 91%
Your combined USPS retirement income replaces 91% of your high-3 salary. This is an excellent position for a comfortable retirement.
Enhanced 1.1% multiplier applies
Because you are retiring at age 62 (62+) with 32 years of service (20+), your FERS pension uses the enhanced 1.1% multiplier instead of 1.0%, increasing your annual pension by $2,080.
Strong TSP balance: $250,000
Your TSP balance of $250,000 at a 4% withdrawal rate provides $833/month. This is a key component of your retirement income.
32 years of postal service
With 32 years, you qualify for retirement at your minimum retirement age (MRA). Your long service significantly boosts your FERS pension benefit.
Lifetime retirement income: $1,497,172
Over 23 years of retirement, your combined FERS pension, TSP, supplement, and Social Security will provide approximately $1,497,172 in total income.
FERS COLA: 2% annually
FERS provides cost-of-living adjustments to your pension. If CPI exceeds 2%, FERS COLA is CPI minus 1%. This helps protect your purchasing power but may not fully keep pace with inflation.
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