What inputs do I need for the FERS pension estimator?

You need five inputs: birth date, Service Computation Date (from SF-50 box 31), current base pay including locality, current TSP balance, and an estimated Social Security benefit. All calculations happen in your browser — nothing is sent to any server.

How accurate is the FERS retirement estimate?

The estimator uses OPM's official FERS pension formula (high-3 × years of service × multiplier), TSP contribution and matching rules from TSP.gov, and 2026 IRS limits. It is conservative by default — it does not model the FERS Annuity Supplement or sick leave credit, which would both increase your actual benefit. Every assumption is adjustable.

Is my data private when using the estimator?

Yes. All calculations run entirely in your browser. Your numbers are never sent to any server, never stored in a database, and never transmitted to anyone. HighThree has no backend, no user accounts, and no analytics that capture your inputs. Your scenario is saved locally in your browser's localStorage until you clear it.

FERS Pension Estimator

Retirement Estimates

Retirement income breakdown

What your total retirement income looks like, by source.

AT RETIREMENT

Lifetime Pension Value

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— total pension dollars, present value

What if you live longer?

Drag to explore how longevity affects your lifetime pension value.

— yrs

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Survivor benefit: the trade-off

Electing survivor coverage reduces your annuity but continues payments to your spouse. Click a card to set your election. Adjust spouse's life expectancy in the sidebar to see how it affects the trade-off.

What if: Promotion

Model a GS grade increase mid-career and see the impact on your pension, TSP, and high-3.

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Year-by-year forecast

Career savings

Year	Age	YOS	Grade/Step	Base salary	High-3	TSP contrib	Agency match	TSP balance	Add'l savings

Now check your break-even → See when to retire → What drives this number