FERS Retirement Eligibility Calculator

Find out which FERS retirement options you are eligible for. Enter your service details to see if you qualify for an Immediate, Postponed, or Deferred retirement and estimate your pension and benefits.

How to Use This Calculator

  • • Select your employee category (e.g., Regular FERS, Special Category)
  • • 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 to check your current eligibility
  • • See your eligibility, pension estimate, and future retirement milestones

🔒 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.
  • Special Category (SCE): The "Special Category Employee (SCE)" selection applies the general rules for Law Enforcement, Firefighters, and Air Traffic Controllers, including mandatory retirement at age 57. Specific agency rules may vary.
  • VERA/VSIP: The "FERS VERA/VSIP Offer" option assumes you have received an authorized early retirement offer from your agency. VERA/VSIP must be specifically approved by OPM for your agency and position.
  • Disability Retirement: This calculator does not model disability retirement, which has separate medical and service requirements (typically 18 months of service) and complex annuity calculations. Consult with OPM and your agency for details.
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Ready to Optimize Your Retirement Timing?

Once you know your eligibility, use our companion tool to see how waiting "one more year" can impact your pension and overall retirement savings.

Try the "One More Year" Analyzer