FERS Supplement Calculator 2026
Estimate your SRS - the "bridge" payment that federal employees receive from retirement until age 62.
Your Information
Average of your highest 3 consecutive years of basic pay
Find this on your Social Security statement at ssa.gov
Check Eligibility
Not eligible: MRA+10 retirements do not qualify for the FERS Supplement.
Your Results
Enter your information and click "Calculate" to see your FERS Supplement estimate.
Important: Earnings Test
The FERS Supplement is subject to an earnings test similar to Social Security. If you work and earn above the annual exempt amount ($23,400 in 2025), your supplement may be reduced. For every $2 earned above the limit, $1 is deducted from your supplement.
FERS Supplement Eligibility Requirements
MRA + 30 Years
Retire at your Minimum Retirement Age (usually 57) with 30 or more years of service.
Age 60 + 20 Years
Retire at age 60 or older with at least 20 years of creditable service.
Before Age 62
Must retire before reaching age 62. The supplement bridges the gap until Social Security eligibility.
Immediate Retirement
Must be an immediate (unreduced) retirement. MRA+10 early retirements do NOT qualify for the supplement.
How the FERS Supplement Works
The SRS Formula
SRS = (Years of Service / 40) x Estimated SS Benefit at 62
Step 1: Determine your total years of creditable federal service.
Step 2: Find your estimated Social Security benefit at age 62 (from ssa.gov).
Step 3: Divide years of service by 40 and multiply by your SS estimate.
Example Calculation:
30 years of service, $2,000 SS estimate: (30 / 40) x $2,000 = $1,500/month
SRS Payment Timeline
Retirement Date
SRS payments begin 30 days after your retirement date
Monthly Payments
Receive SRS along with your FERS annuity each month
Age 62
SRS payments end - you become eligible for actual Social Security
The Gold Bridge Strategy for Federal Employees
Your FERS Supplement provides valuable income until age 62, but inflation can erode its purchasing power. Federal employees should consider diversifying beyond TSP and FERS with a Gold IRA for inflation protection.
TSP Rollover
After separation, roll TSP funds into a Gold IRA
Inflation Hedge
Gold historically maintains purchasing power
Diversification
Balance TSP stock/bond exposure with physical gold
FERS Supplement FAQ
What is the FERS Special Retirement Supplement?▼
The SRS is a benefit paid to eligible FERS employees who retire before age 62. It approximates the Social Security benefit earned during your federal career and "bridges" the gap until you can collect actual Social Security at 62.
Can I get the FERS Supplement if I take MRA+10 early retirement?▼
No. The FERS Supplement is only available for immediate, unreduced retirements. MRA+10 retirements (with the 5% per year reduction) do not qualify for the supplement.
Is the FERS Supplement taxable?▼
Yes, the FERS Supplement is fully taxable as ordinary income, just like your FERS annuity. You can have federal taxes withheld from your combined payment.
Does the FERS Supplement receive COLA increases?▼
No. Unlike your FERS annuity, the FERS Supplement does not receive cost-of-living adjustments. The amount stays the same from retirement until age 62.
What happens if I return to federal service?▼
If you return to federal employment, your FERS Supplement payments will stop. They will resume when you separate from service again, if you're still under age 62.
Important Disclaimer
This calculator provides estimates based on the standard FERS Supplement formula. Your actual supplement amount is calculated by OPM and may differ based on your specific employment history and Social Security earnings record. This is not official guidance. Contact your HR office or OPM for definitive calculations.
Diversify Your Federal Retirement
Federal employees can roll TSP funds into a Gold IRA after separation. Augusta Precious Metals specializes in helping federal retirees protect their savings from inflation.