The Gate
In the workshopPension, MRA & sick leave math
Store name: “The Gate: FERS Calculator”
Coming soon
Not out yet — but it’s close.
FERS Calc is a clean, modern estimator for federal employees under the Federal Employees Retirement System.
- 254 original, FAA-cited practice questions
- All 12 ACS General subject areas
- Timed 60-question exam simulator, 42 to pass
- 100% offline · no ads · no account · one-time $6.99
Free web tool
How do you calculate your FERS retirement annuity?
Your FERS basic annuity is your high-3 average salary × a multiplier × your years of creditable service — 1.0% per year, or 1.1% per year if you retire at age 62 or later with at least 20 years of service. Unused sick leave adds to your service length (2,087 hours = one year of credit), retiring before 62 under the MRA+10 rule reduces the annuity 5% for each year you are under 62, and electing a survivor annuity reduces your own by 5% (25% survivor) or 10% (50% survivor). Your minimum retirement age runs from 55 to 57 depending on birth year, and that plus your years of service determines which eligibility rule — 62/5, 60/20, MRA/30, or MRA+10 — you meet.
Retirement system
The standard FERS computation for most federal employees.
Creditable service
Age at retirement
Survivor election
From your Social Security statement — used only to estimate the annuity supplement. Nothing is fetched; you type your own figure.
Estimated monthly annuity
$2,500
$30,000 per year, before any COLA
Eligibility rule
MRA + 30 years
Unreduced. Soonest unreduced at 57 (about 2032).
Gross annuity (before reductions)
$30,000
$100,000 high-3 × 1% × 30.00 yr
Service used in the formula
30
Actual creditable service; add sick-leave hours above to fold in the credit
Annuity supplement (to age 62)
$0 /mo
30/40 × your $0 SS estimate. Bridges you to 62, then stops; subject to an earnings test.
Unofficial estimate — not affiliated with OPM or any U.S. government agency. Figures are computed from published OPM rules (MRA table, 1.0%/1.1% multipliers, 2,087-hour sick-leave conversion, MRA+10 and survivor reductions) and exclude cost-of-living adjustments, so real long-term annuities are typically a bit higher. Your actual annuity is computed by OPM from your official record — always confirm with your agency HR or benefits office before making decisions.
Take it with you
The full FERS Retirement Calculator app adds side-by-side retirement-age scenarios, your soonest unreduced date, a complete sick-leave and annuity-supplement breakdown with every step shown, and saved what-if plans — all fully offline, with nothing you enter ever leaving your phone.
Coming soon to the App Store
What it is
FERS Calc estimates a federal employee's retirement annuity under the Federal Employees Retirement System. Enter your birth year, high-3 salary, service, and sick leave and see your monthly annuity with every step of the arithmetic shown, plus which eligibility rule you hit and your soonest unreduced date.
Why we built it
About two million FERS employees plan their retirement against dated web forms and spreadsheets. The exact math, MRA table, the 1.0 versus 1.1 percent multiplier, sick-leave credit, survivor elections, the annuity supplement, is public but scattered and easy to get wrong. The gap was a modern, offline estimator that computes from published OPM rules and shows its work, clearly unofficial.
Want one like this?
The Gate is one of 92. We can build yours.
Every app on the shelf started as one honest problem, scoped small and built native, end to end. That’s exactly how we approach client work — designed, built and shipped, without the bloat.
