High Three: FERS Calculator

High Three estimates your federal retirement annuity the way OPM computes it, and shows every line of the math.

THE NUMBER, WITH ITS MATH
Enter your birth date, service computation date, high-3 and sick leave balance. High Three shows your monthly annuity for any retirement date, and under it every step: creditable service with sick leave converted by OPM's 2,087-hour chart, the 1.0% or 1.1% multiplier, the special-provision 1.7% formula, CSRS tiers and the 80% cap, the MRA+10 age reduction counted in full months, the survivor election. Each row names the OPM rule behind it.

KNOW WHEN YOU CAN GO
See your Minimum Retirement Age, your earliest unreduced date, and what an MRA+10, VERA, postponed or deferred retirement does to the number.

SCENARIOS SIDE BY SIDE
Retire at 57, 60 or 62. Postpone. Take the early-out. Save every version and compare them in one table.

THE WHOLE PLAN TO AGE 95
FERS annuity supplement with the earnings test, survivor benefit, COLA under the FERS rule, TSP growth and withdrawals, Social Security at the age you choose, other income, your deductions. A year-by-year table and chart, exportable as PDF or CSV.

FERS, CSRS AND CSRS OFFSET
Regular employees, law enforcement, firefighters, CBP officers, nuclear couriers and air traffic controllers. Part-time service proration. Lump-sum annual leave.

YOURS, OFFLINE, ONE PRICE
No account. No ads. Nothing uploaded. iPhone and iPad with one purchase. The free version shows your eligibility and gross annuity for one scenario; one purchase of $6.99 unlocks everything, for good. No subscription.

High Three is an estimator, not advice, and is not affiliated with OPM or any federal agency. Your agency and OPM compute your actual annuity.