About FERSCalculator.com

FERSCalculator.com is a free, independent resource built to help U.S. federal employees understand, estimate, and plan their FERS retirement benefits — without the confusion.

Why We Built This

Federal retirement is genuinely complex. FERS pension formulas, supplement eligibility rules, MRA tables, GS pay locality adjustments, TSP matching — it is a lot to navigate. Yet the tools provided by official sources are often hard to use, inaccessible, or require HR office visits just to get a rough estimate.

We built FERSCalculator.com to change that. Our goal: give every federal employee a fast, free, browser-based calculator that applies the actual OPM formula — no signup required, no data stored, no strings attached.

What We Offer

• FERS Pension Calculator: Estimate your monthly and annual annuity using the official High-3 × Years × Multiplier formula, complete with MRA+10 reductions and survivor annuity elections.
• FERS Facts & Reference: Quick-reference MRA tables, retirement eligibility rules, sick leave conversion charts, and official OPM acronyms glossary.
• Retirement Planning Blog: Plain-English, comprehensive guides on FERS retirement planning, TSP investment strategies, High-3 maximization, survivor benefits, and checklists.

Disclaimer

FERSCalculator.com is an independent website and is not affiliated with the U.S. Government, OPM, SSA, or any government agency. All calculations are estimates for informational purposes. Always verify your benefits with your agency HR office or OPM before making retirement decisions.