Federal Employee Retirement System (FERS) Pension Scenario Comparison
Build scenarios to compare your Federal Employee Retirement System (FERS) pension based on type of retirement, years of service, high-3 salary, and retirement age.
Year to begin displaying pension and final salary
Immediate (Regular)
Choose the applicable retirement type based on your eligibility
Year you began federal service under FERS
Age you plan to retire and start collecting pension
$
Your current annual basic salary
Estimated annual increase in salary before retirement
Annual cost-of-living adjustment after retirement
1.1%: Enhanced Annuity
Typically 1% or 1.1%, depending on age and service
No Survivor Benefit
Whether survivor (i.e. your spouse) will continue to receive benefit after your death
Your estimated life expectancy
Salary grows annually by a fixed percentage until retirement. The average of your highest 3 years of salary before retirement is used to calculate your pension.
Pension multiplier is typically 1% or 1.1% based on your age and service years.
Cost-of-Living Adjustments (COLA) start applying after age 62, increasing your pension annually by the estimated COLA percentage.
This calculator assumes a simplified model for illustrative purposes. Actual FERS pension calculations may include additional factors like retirement type and survivor benefits.
Disclaimer: The financial calculators and content on this website are for informational and educational purposes only. They are not intended as financial, tax, or investment advice. All results are estimates based on the data you provide and assumptions made by the model. Actual outcomes may vary significantly. Please consult a licensed financial advisor before making any financial decisions.Privacy Policy|Terms of Use