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Plan your retirement

Check your retirement date against your eligibility milestones and choose a survivor benefit election. Benefits and Review come next.

Retirement Authority

Are you retiring under standard FERS eligibility, a Voluntary Early Retirement Authority (VERA), or a Discontinued Service Retirement (DSR)?

Your Target Retirement Date

When do you plan to retire? We'll calculate your eligibility and benefits.

Select retirement age

Please complete the Personal Information step first to enable retirement age selection.

Anticipated retirement date

From step 1. Pick a milestone above, or type a date, to change it.

FERS Survivor Benefit Election

Protects your spouse with a continuing annuity after you pass away.

No survivor election applies to you. A FERS survivor annuity goes to a spouse or a former spouse, and you said you have never married, so your pension takes no survivor reduction. An insurable-interest annuity for another person is a separate option this calculator does not model.