FERS Retirement Options Calculator
Analyzes eligibility for Immediate, Postponed, and Deferred retirements based on your service history and separation date.
How to Use This Calculator
- • Enter your High-3 Average Salary (highest 36 consecutive months of basic pay)
- • Provide your date of birth and Service Computation Date (SCD)
- • Select your planned separation date
- • Include any military service buyback years (if applicable)
- • See your eligibility for different retirement types and their benefits
🔒 Your Privacy Protected: For your security, we do not store any of your financial information. All calculations are performed in your browser and cleared when you close it.
What Are Your FERS Retirement Options?
Calculate whether you qualify for Immediate, Postponed, or Deferred retirement and understand the benefits of each.
Important Notes About This Calculator
- For Educational Purposes: This calculator provides estimates based on standard FERS rules. Always verify your specific situation with your agency's HR department.
- Retirement Types Matter: The type of retirement you qualify for determines whether you can continue FEHB/FEGLI coverage and when COLAs begin.
- MRA+10 Clarification: If you separate with MRA+10 eligibility and postpone your retirement, it remains an MRA+10 retirement (not 60/20 or 62/5).
Understanding FERS Retirement Types
- Immediate Retirement: Full benefits start right away, including FEHB/FEGLI continuation and the FERS supplement
- Postponed Retirement: Available if you meet MRA+10 requirements; allows FEHB/FEGLI resumption when benefits begin
- Deferred Retirement: For those with 5+ years of service; pension only, no FEHB/FEGLI continuation
- Always consult with your agency's HR and a financial professional before making retirement decisions