OPM Rule: Annuity = High-3 average salary × years of service × 1% (1.1% if you're retiring at age 62 or older with 20+ years of service). Law enforcement officers, firefighters, and air traffic controllers use 1.7% on their first 20 years of covered service and 1% beyond that instead. Retiring at your Minimum Retirement Age with 10 to 29 years (MRA+10) reduces the annuity 5/12 of 1% for each full month you're under 62 when it starts, unless you have 20+ years and it starts at 60 or later. With a VERA offer or an involuntary (discontinued service) separation, you can retire at 50 with 20 years or at any age with 25, with no age reduction. A full survivor election reduces your annuity 10% and pays your spouse 50% of it; a partial election reduces it 5% for a 25% survivor benefit. Source: OPM's FERS computation, eligibility, types-of-retirement and survivor benefit pages, 5 U.S.C. 8414(b) and 8421, 5 CFR 842.403–842.404 and 843.306, and the CSRS/FERS Handbook, Chapter 46.

Disclaimer: This tool is for educational purposes only and covers immediate retirement only (62 with 5 years, 60 with 20, your Minimum Retirement Age with 30 or with 10, VERA or discontinued service retirement, or the law enforcement/firefighter/ATC special provision). It does not model deferred retirement, disability retirement, separation incentive (VSIP) payments, CSRS, unused sick leave credit, or annual cost-of-living adjustments. Always verify your annuity estimate with your agency HR office or OPM before making retirement decisions.