Estimate your federal retirement pension based on your retirement system, years of service, and salary history.
Step 1 — Your Retirement System
Select the retirement system that applies to you. This determines how your pension is calculated.
Step 2 — Personal Information
Months beyond full years
If entered, we'll calculate your creditable service from your SCD to your retirement date.
Step 3 — High-3 Average Salary
I know my High-3 Average Salary
Your average base salary over your highest 3 consecutive years.
Estimate only: We'll project your High-3 by applying a 2% annual increase to your current base pay and averaging the final 3 years. For a precise calculation, use your actual salary history.
We'll estimate your High-3 from this figure.
Step 4 — Military Service
I served in the military
I have bought back my military time
Your military time will be added to your creditable federal service for pension calculation purposes.
Your results will show two scenarios: your pension with and without military buyback, so you can see what it's worth. To understand the cost of buying back your military time, visit our Military Buyback Calculator.
Your Pension Estimate
Pension Estimate
Annual Pension
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Per year
Monthly Pension
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Per month
Multiplier Used
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High-3 Used
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Total Service
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Age at Retirement
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MRA+10 — Reduced vs. Waiting for Full Eligibility
Important: Under MRA+10, your pension is reduced 5% for each year you are under age 62 at retirement. The comparison below shows what you receive now vs. what you would receive by waiting.
Retire Now (Reduced)
Age —
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Annual / — monthly
Wait Until Age 62 (Full)
Age 62
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Annual / — monthly
No reduction applied
Military Buyback — With vs. Without
Buying back your military service time increases your creditable service years, which directly increases your pension. See the difference below, then visit our Military Buyback Calculator to see what it would cost.
Without Buyback
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Annual / — monthly
With Buyback
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Annual / — monthly
20-Year COLA Projection
% per year
This calculator provides estimates for educational purposes only. Actual pension amounts are determined by your agency and OPM at retirement. High-3 estimates using base pay assume a 2% annual increase and may differ from your actual salary history. CSRS Offset amounts do not reflect the Social Security offset that applies at age 62. Special category multipliers apply to Law Enforcement Officers, Firefighters, and Air Traffic Controllers. VERA/RIF calculations assume the employee meets the minimum age and service requirements for early retirement. Consult a licensed federal retirement specialist before making retirement decisions.
Want a complete retirement picture?
Your pension is just one piece of your federal retirement. Octus Financial provides fiduciary-only federal retirement planning covering your pension, TSP, FEGLI, FEHB, Social Security, and survivor benefits — across all 48 states.