FERS Made Easy

Rules checked against OPM/TSP pages, Oct 2026

Estimate only, not financial advice. Your official figures come from OPM when your retirement is processed.

Simplifications: Assumes continuous full-time creditable service starting in January of the start year. Breaks, part-time work, military buyback and LWOP change the dates. Unused sick leave counts toward the pension amount, not eligibility. Special-provision employees (age 50+20 or any age+25) are not shown.

Estimate only, not financial advice. Your official figures come from OPM when your retirement is processed.

Sources: OPM FERS Computation · OPM FERS Eligibility · TSP RMDs

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