CSRS Annuity Calculator

Use this educational tool to compare retirement assumptions. The interactive calculator loads with JavaScript; the explanation below is available to every visitor. Quantos LLC publishes MyFedPlan independently of the U.S. government. Estimates are not official benefit determinations.

Read the methodology and model limits and our federal retirement guides.

CSRS planning checklist before submission

CSRS cases often involve redeposit and deposit decisions that significantly alter retirement income. Before you finalize a result, verify your creditable service timeline and ensure any refunded service is represented correctly. For many employees, the biggest planning mistake is relying on a rough estimate that omits prior service adjustments.

Review redeposit assumptions and compare pension outcomes with and without repayment.
Confirm your highest paid consecutive 3-year window rather than assuming the final years are highest.
Document survivor election assumptions because they can change take-home annuity estimates.

Frequently asked questions

Is CSRS affected by Social Security the same way as FERS?

No. CSRS is structurally different. Many users should validate potential Social Security interactions separately when planning total retirement income.

How often should I update my estimate?

At least yearly and after any major pay change, service correction, or retirement-date shift.