For federal employees nearing retirement
OPM's calculator gives you numbers. We tell you the best date to retire.
Compare retiring now vs at MRA, 60, or 62 in 3 minutes. See your monthly annuity, MRA+10 reductions, and lifetime impact — no SSN, no employee ID required.
No card required · 3 minutes · Source-backed methodology · Not affiliated with OPM
Example estimate
Monthly annuity
$3,214/ month
Retirement path
Regular immediate
If you wait
Sound familiar?
Three things every fed hits before retirement.
FERS Planner exists because the official tools answer "what" but not "should I."
"OPM's calculator gives me numbers but no recommendation."
"I don't know if leaving at 57 vs 60 actually costs me $40k+ over my lifetime."
"MRA+10, postponed, deferred, supplement — every term has a footnote."
The 5 dates that change your FERS annuity the most
A short PDF showing how MRA, MRA+10, 60, 62, and your high-3 lock-in interact. Free, no card.
How it works
Enter your basics
Tell us about your service, salary, and goals.
Get your estimate
See your estimated annuity and retirement path.
Compare dates
See how different retirement dates may impact your income.
Why people use it
Clear retirement path
Visualize your likely path to retirement.
Simple estimate preview
Get an easy-to-understand estimate in seconds.
Compare now vs later
See how waiting can change your monthly annuity.
FERS planning resources
Start with the question you searched for.
Use these plain-English guides to prepare your inputs, then run the calculator with your own dates.
All FERS calculators
Choose the calculator page that matches your timing question.
FERS decision guides
Compare retirement dates, MRA+10, postponed, and deferred paths.
Free FERS retirement calculator
Start with one date and see the supported retirement path.
FERS MRA+10 calculator
Test immediate versus postponed MRA+10 timing.
FERS high-three salary
Prepare the salary input before running an estimate.
FERS annuity formula
Understand the formula inputs without hand-calculating results.
FEHB 5-year rule
Keep health coverage questions separate from the income estimate.
FERS retirement checklist
Gather dates, service, salary, and benefit questions.
Retire at 60 or 62?
Compare the planning questions before testing dates.
Postponed vs deferred FERS
Frame the timing path before choosing a start date.