FERS Retirement Calculator
After 25+ years of federal service, you've earned a solid pension. This calculator shows exactly what you'll get - and how to protect your TSP from the next market downturn.
What is your High-3 average salary?
The average of your highest 3 consecutive years of basic pay
Understanding FERS Retirement
FERS Basic Benefit Formula
1% × High-3 × Years of Service
Or 1.1% if age 62+ with 20+ years
Example: 1% × $100,000 × 30 years = $30,000/year
Retirement Eligibility
MRA + 30: Minimum Retirement Age with 30 years
Age 60 + 20: Age 60 with 20 years
Age 62 + 5: Age 62 with 5 years
MRA + 10: Reduced benefit (5%/year before 62)
Three Legs of FERS
1. FERS Basic Benefit: The pension calculated above
2. Social Security: Full benefits at your FRA
3. TSP: Your Thrift Savings Plan investments
TSP Rollover Options
After separation or at age 59½, you can roll TSP funds into:
• Traditional IRA
• Roth IRA (with tax consequences)
• Gold IRA (Self-Directed)