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.
Eligibility is not only about reaching a minimum age. Federal retirement timing requires alignment between age, service credit, and special provisions that may apply to your position. Use this tool to identify your earliest date, then test nearby dates to understand the tradeoff between leaving sooner and locking in a larger annuity.
In many cases yes, but the financially optimal date may be later depending on service milestones and pension multipliers.
Always reconcile discrepancies with your HR office and official service history before making final decisions.