Important — please read This tool produces hypothetical estimates for educational and illustrative purposes only. It is not an official OPM annuity computation, not a guarantee of benefits, and not investment, tax, or legal advice. Growth, drawdown, inflation, and COLA figures are assumptions you select; actual results will differ and are not a prediction of any specific outcome. Estimates depend on figures you enter and on factors this tool does not verify, including certified service history, your exact High-3, deposit status, and OPM's final determination. Verify all figures with your agency HR, OPM, and the Social Security Administration before making any retirement decision. Advisory services are offered through Mainstreet Financial Group, LLC, a Georgia Registered Investment Adviser. Use of this tool does not create an advisory relationship. Mainstreet Financial Group, LLC is not affiliated with, endorsed by, or sponsored by the U.S. government, the Office of Personnel Management, the Social Security Administration, or any federal agency.

Retirement & Federal Benefits Analysis

Federal Employee Retirement Estimate

A planning estimate of annuity, special retirement supplement, TSP, Social Security, insurance continuation, and survivor elections. Enter what you know; leave the rest blank.

1

Employee & system

Required
Special provision uses enhanced multipliers and the special supplement rules.
Include unused sick leave conversion if you want it counted.
Sets your FERS Minimum Retirement Age (MRA).
2

Annuity basis

Highest 36 consecutive months of basic pay.
Converted to service time (2,087 hrs = 1 yr). Add only if NOT already in service above.
Average percentage of full-time over part-time service. Leave blank for 100% full-time.
If unpaid, the annuity is actuarially reduced. Enter the balance you do not intend to pay.
FERS: full = 50% survivor (10% annuity reduction); partial = 25% (5% reduction). CSRS uses a tiered cost.
3

Supplement & Social Security

FERS
From your SSA statement. Drives the FERS supplement estimate.
Civilian FERS years only. Leave blank to use total service.
CSRS Offset only. The annuity is reduced at 62 by the lesser of this or the SS-benefit × offset-years ÷ 40.
Offset-covered years, used to cap the offset reduction.
4

Thrift Savings Plan

Used to estimate sustainable monthly income.
5

Insurance & withholding

Applied to gross annuity + supplement to estimate net.
6

COLA & projection

FERS diet-COLA rules are applied to this automatically.
Auto: FERS diet-COLA; CSRS full CPI. Flat applies CPI to all.
S

Saved scenarios

Session only

Scenarios are held in memory while this page is open. They are not written to your device and clear when the page is fully closed. Use Print / Save PDF for a permanent client record.

Estimated first-year retirement income

$0
Net monthly (annuity + supplement, after deductions)
$0
Gross annual annuity
$0
Total monthly incl. TSP & SS-eligible

Basic annuity

Reductions applied

Adjustments to the gross annuity from age, part-time, deposit, and offset rules.

Special retirement supplement

Gross to net

Monthly, combining basic annuity and supplement where payable.

Thrift Savings Plan projection

Projected balance at retirement
$0
Est. sustainable monthly
$0

Income at a glance

Annuity (net/mo)
$0
Supplement (net/mo)
$0
TSP (mo)
$0
Combined (pre-SS)
$0

At age 62 the supplement ends and Social Security may begin (est. $0/mo at 62).

Annuity projection with COLA

Notes & flags

This is a planning estimate generated from the figures entered and standard OPM benefit formulas. It is not an official OPM annuity computation, tax advice, or a guarantee of benefits. Actual benefits depend on certified service history, deposit/redeposit status, exact High-3, COLA timing, FEHB five-year eligibility, deductions, and OPM final determination. Verify with your agency HR, your SSA statement, and OPM before making retirement decisions. Mainstreet Financial Group, LLC is not affiliated with, endorsed by, or sponsored by the U.S. government, the Office of Personnel Management, the Social Security Administration, or any federal agency.