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.
To get a realistic FERS estimate, use your actual Service Computation Date, projected retirement date, and as much salary history as possible. The annuity formula is very sensitive to High-3 pay and years of creditable service. If you have military time, part-time service, or a prior refund, include those details before you compare retirement dates. Even a one-year shift in retirement timing can materially change your monthly benefit.
Unused sick leave can increase service used to compute the annuity, which can increase the pension. Sick leave cannot be used to meet the minimum service requirement for retirement eligibility.
No. Build at least three scenarios: your earliest feasible date, your target date, and a delayed date. This gives you a practical range for planning.