🍋 Basic FERS Deferred Annuity Calculator

Because if they’re going to shove you out early, you deserve to know what you’re still owed.

This little calculator gives you a quick look at what your deferred annuity might be if you peace out (or get shoved out) before reaching “full retirement” under FERS. The math is pulled straight from OPM’s official guidance—yes, that OPM—the same folks who bring you endless forms and mysterious wait times. So while the logic here is sound, it’s still a rough estimate, not gospel.

Here’s how it works:

• If you’ve got at least 5 years of service, you may be eligible for a deferred retirement (read: a pension that kicks in later, after you’ve done your time and avoided taking a refund).
• If you’ve got 10 or more years, you might be able to start drawing that pension at your MRA (Minimum Retirement Age, usually between 56–57).
• Otherwise, it starts at age 62.

Behind the curtain, the formula is simple: Years of Service × High-3 Salary × 1%

Example: 9 years of service × $150,000 = $13,500/year, or about $1,125/month. Not too shabby for walking away with your dignity intact.

👀 Important: This isn’t financial advice, and we aren’t OPM. We’re just pro-worker math nerds trying to make sense of a system that rarely does. Always verify with HR, your agency, or OPM if you’re getting close to a decision. And definitely don’t click “withdraw FERS contributions” unless you want to nuke your future annuity.

Whether or not you’re eligible for an annuity, head over to our Fed Severance Pay Calculator to see what you might get if you’re involuntarily separated.