Grade and Step report · November 9, 2026
Core
FERS Retirement Calculator
Shows annual and monthly pension, multiplier used, eligibility type and commencement age.
Immediate, unreduced (age 62 with 5+ years)
Gross monthly income
$2,521
Annuity $30,250/yr
- Multiplier
- 1.1%
- MRA
- 56 years, 4 months
- Age at retirement
- 62 years
- Service credit used
- 25 years
- Early-retirement reduction
- None
- Survivor reduction
- −$3,025/yr
- Income replacement
- 27.5% of High-3
- FERS Supplement
- Not payable
| Date | Type | Annual pension | Monthly |
|---|---|---|---|
| 2028-06-30 | Immediate, unreduced (age 62 with 5+ years) | $30,250 | $2,521 |
| 2029-06-30 | Immediate, unreduced (age 62 with 5+ years) | $31,460 | $2,622 |
| 2030-06-30 | Immediate, unreduced (age 62 with 5+ years) | $32,670 | $2,723 |
Show the math
- Age at retirement: 62 years
- Minimum Retirement Age: 56 years, 4 months (born 1966) · OPM source
- Creditable service: 25 years — partial months count toward the annuity · OPM source
- Retirement type: Immediate, unreduced (age 62 with 5+ years) · OPM source
- Multiplier: 1.1% — 1.1% applies only at age 62+ with 20+ years · OPM source
- Basic annuity: $110,000 × 1.1% × 25.00 yrs = $30,250
- Survivor reduction: 10% → −$3,025/yr
- FERS supplement: Not payable for this retirement type · OPM source
- Net monthly: (gross − survivor) × (1 − 15% tax) − $350 FEHB = $1,578
Need your service date first? Use the SCD calculator