FERS High-3 Pension Calculator — Estimate Your Federal Retirement Annuity

Enter Your Retirement Details

All fields are required. Use your highest 3 consecutive years of average basic pay.

High-3 Average Salary

Years of Creditable Service

Age at Retirement

How FERS Works

1 Multiplier: 1.1% if age ≥ 62 with 20+ years, otherwise 1.0%
2 Annual Pension = High-3 × Years × Multiplier
3 Monthly Pension = Annual Pension ÷ 12

The 1.1% Bonus

Federal employees who retire at age 62 or older with at least 20 years of service receive a 10% boost to their multiplier — from 1.0% to 1.1% per year of service.

What is the "High-3"?

Your High-3 is the average of your highest basic pay over any 3 consecutive years of service. For most employees, these are the final 3 years before retirement.

Enter Your Retirement Details

Calculation Breakdown