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Retirement Computation

Retirement Computation

How your retirement annuity is computed

Your basic annuity is computed based on your length of service and “high-3” average salary. To determine your length of service for computation, add all your periods of creditable service, then eliminate any fractional part of a month from the total.

High-3 Average Salary

Your “high-3” average pay is the highest average basic pay you earned during any 3 consecutive years of service. These three years are usually your final three years of service, but can be an earlier period, if your basic pay was higher during that period. Your basic pay is the basic salary you earn for your position. It includes increases to your salary for which retirement deductions are withheld, such as shift rates. It does not include payments for overtime, bonuses, etc. (If your total service was less than 3 years, your average salary was figured by averaging your basic pay during all of your periods of creditable Federal service).

Computation for Non-Disability Retirements

Age
Formula
Under Age 62 at Separation for Retirement, OR
Age 62 or Older With Less Than 20 Years of Service
1 percent of your high-3 average salary for each year of service
Age 62 or Older at Separation With 20 or More Years of Service
1.1 percent of your high-3 average salary for each year of service

Your benefit was computed differently, if you retired under one of the provisions below

Special Provision for Air Traffic Controllers, Firefighters, Law Enforcement Officers, Capitol Police, Supreme Court Police, or Nuclear Materials Couriers
  • 1.7% of your high-3 average salary multiplied by your years of service which do not exceed 20,
  • PLUS
  • 1% of your high-3 average salary multiplied by your service exceeding 20 years
    Member of Congress or Congressional Employee (or any combination of the two) must have at least 5 years of service as a Member of Congress and/or Congressional Employee
  • 1.7% of your high-3 average salary multiplied by your years of service as a Member of Congress or Congressional Employee which do not exceed 20,
  • PLUS
  • 1% of your high-3 average salary multiplied by your years of other service

Transferred to the Federal Employees Retirement System (FERS)

At time of transfer, had at least 5 years of creditable civilian service covered by either:

  • Civil Service Retirement System (CSRS)
  • Social Security

(but not both-excludes service during which partial CSRS deductions were withheld)

Annuity will have 2 components:

  • FERS Component
  • CSRS Component

Computation of FERS Component

Age
Formula
Under Age 62 at Separation for Retirement, OR
Age 62 or Older With Less Than 20 Years of Service
1 percent of your high-3 average salary for each year of service
Age 62 or Older at Separation With 20 or More Years of Service
1.1 percent of your high-3 average salary for each year of service
Computation of CSRS Component
Duration
Formula
First 5 years of CSRS service
1.5% of your high-3 average
salary for each year of service
Second 5 years of CSRS service
1.75% of your high-3 average
salary for each year of service
All years of CSRS service over 10
2% of your high-3 average salary
for each year of service