← Honed Money

Your federal pension, in plain numbers.

Enter your high-3 salary, years of service, and retirement age — get your estimated FERS annuity, the multiplier, and what a survivor benefit costs.

Salary & service

01 / CAREER
$
Multiplier you qualify for—

Survivor benefit

02 / PROTECTION
None
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Calculate your estimate to activate the email and copy buttons. Your entries stay in this tab and are not saved.

Turn your service into a paycheck.

Enter your high-3 salary, years of service, and retirement age to estimate your FERS annuity.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.