Highthree: FERS CSRS Pension

Know what your federal pension will be, and when to retire. Highthree estimates the basic annuity for FERS and CSRS employees. Enter your birth date, service start, retire date and High-3 average. The result updates as you type, and every line shows the OPM rule behind it. WHAT IT WORKS OUT - Basic annuity: 1% of High-3 per year of service, 1.1% at 62 with 20 years - MRA + 30, MRA + 10 (reduced), age 60 with 20, age 62 with 5, deferred and early out - Unused sick leave credit, military and other service credit - Survivor benefit: none, partial or full, with the reduction shown - FERS annuity supplement until 62 and the drop that follows - Law enforcement, firefighter and air traffic controller rates PLAN THE DATE - Earliest date each rule is met, with the pension at that date - Compare three retire dates side by side on a chart - Project your High-3 forward from your salary - Save estimates, rename, search and export a one-page PDF BUILT TO BE TRUSTED - Rules as of a stated date, with a source link for every number - Works offline. No account, no ads, no tracking. Your numbers stay on your iPhone - Dark mode, large text and iPad supported FREE AND PRO Free gives you the full standard estimate, the earliest-date list and 3 saved estimates. Pro unlocks special groups, the supplement timeline, survivor options, the date comparison chart and unlimited saved estimates. One purchase, no subscription. Highthree is an independent estimator. It is not affiliated with OPM or any government agency. Results are estimates, not advice. Confirm your figures with your agency HR office and OPM.