Pension Calculator
Pension Benefit Calculator works out Total accrual (% of final average salary) and Gross annual annuity from Plan, Final average salary (high-3 / final compensation) and Years of creditable service. The default figures on this page give annuity payable to you of 33,000.00; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
5 steps
- Plan: FERS (Federal Employees Retirement System) regular. Accrual: 1.1% x 30 years (age 62 with 30 years qualifies for the enhanced rate).
- Total accrual = 33% of the 100000 final average salary = 33000 a year.
- No age reduction applies.
- No survivor annuity elected, so nothing is deducted.
- Monthly annuity = 33000 / 12 = 2750.
Figures from US public pension formulas, checked 31 August 2026. Its 5 worked examples are re-run on every release, last on 15 September 2026. What changed · how reference data is kept current
Sources and references
4 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the Pension Benefit Calculator calculates
Estimates the annual and monthly benefit from a defined-benefit pension using the plan’s published accrual formula, age reduction, survivor election and benefit cap, covering FERS, CSRS, the uniformed services, CalSTRS and any plan whose accrual rate you supply.
How to use this Pension Benefit Calculator
Enter Plan, Final average salary (high-3 / final compensation), Years of creditable service and Age when the annuity begins. Total accrual (% of final average salary) updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Total accrual (% of final average salary), Gross annual annuity and Age reduction applied.
The method follows US Office of Personnel Management, FERS Information - Computation, 5 U.S.C. 8415 (FERS basic annuity), 5 U.S.C. 8339 (CSRS computation) and 5 U.S.C. 8419 / 8339(j) (survivor reductions), 10 U.S.C. 1409, Retired pay multiplier and CalSTRS, Age factor.
FERS, high-3 of 100,000, 30 years, retiring at 62 with a full survivor annuity example
With Plan: fers, Final average salary (high-3 / final compensation): 100000, Years of creditable service: 30, Age when the annuity begins: 62, the calculator returns Total accrual (% of final average salary): 33, Gross annual annuity: 33000, Annuity payable to you: 29700. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Total accrual (% of final average salary), Gross annual annuity and Age reduction applied. The inputs you can vary are Plan, Final average salary (high-3 / final compensation), Years of creditable service, Age when the annuity begins, Age reduction and Survivor annuity election.
Understanding Total accrual (% of final average salary), Gross annual annuity and Age reduction applied
An estimate only. Your actual benefit is computed by the plan administrator from your official service history, high-3 or final compensation, deposits and redeposits, unused sick leave, part-time proration and court orders. Confirm every figure with the plan before making a retirement decision.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How do I calculate my FERS pension?
Estimates the annual and monthly benefit from a defined-benefit pension using the plan’s published accrual formula, age reduction, survivor election and benefit cap, covering FERS, CSRS, the uniformed services. Open “How this is worked out” beside the result to see each step for your own figures.
What's the average FERS pension?
On the figures this page opens with — final average salary (high-3 / final compensation) 100,000, years of creditable service 30 years and age when the annuity begins 62 years — the annuity payable to you is 33,000. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
How much is a federal pension after 20 years?
It needs Plan, Final average salary (high-3 / final compensation), Years of creditable service, Age when the annuity begins, Age reduction and Survivor annuity election. Nothing else is required, and the figures stay in your browser.
What information do I need for the Pension Benefit Calculator?
You need Plan, Final average salary (high-3 / final compensation), Years of creditable service, Age when the annuity begins, Age reduction, Survivor annuity election, Accrual rate per year of service and Flat annual benefit per year of service. The page opens with default figures that give annuity payable to you of 33,000.00, so you can see the scale before entering your own.
What does this Pension Benefit Calculator show?
It shows Total accrual (% of final average salary), Gross annual annuity, Age reduction applied, Annuity after age reduction, Cost of the survivor election, Annuity payable to you, Monthly annuity payable to you and Annual survivor annuity, with the working and any warnings for your entries.
Can I check how the Pension Benefit Calculator result was calculated?
Yes. The “How this is worked out” section shows the calculation steps, and the sources section identifies the references used for the method.