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FERS Retirement Timeline

See your FERS pension, FERS supplement, and Social Security mapped to every retirement milestone — MRA, age 60, age 62. Free, no account required.

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FedHorizon · Federal Retirement Decision ReportDiane · GS-13 · 28 yrs service · High-3: $108,200

Scenario Decision Snapshot

If you read one sectionRetiring at 57 generates about $267,720 in modeled gross pension and FERS Supplement payments before the age-62 pension surpasses it. After age 90, the higher pension wins — permanently.

Age 57 (MRA)Highest income by 80

Earliest exit — 5 fewer years of work

$4,462/mo

year 1 (includes supplement)

$2,976/moafter 62 (permanent)

Tradeoff: $793/mo less pension than age 62 — for life

Pension$2,976/mo

FERS Supplement$1,486/mo

Years of service33 years

Multiplier1.0%

Age 60

Earlier exit, higher pension than 57

$4,958/mo

year 1 (includes supplement)

$3,246/moafter 62 (permanent)

Tradeoff: 3 more years than age 57 for $270 more pension, but total drops once the supplement ends at 62

Pension$3,246/mo

FERS Supplement$1,712/mo

Years of service36 years

Multiplier1.0%

Age 62

Highest permanent pension

$3,769/mo

permanent monthly pension

Tradeoff: 5 more working years than 57; no supplement; permanent income floor

Pension$3,769/mo

Years of service38 years

Multiplier1.1%

Pension difference

$793/mo

Age 57 vs 62

Pension + Supplement crossover

When age-62 pension income catches up to age-57

Best by age 80

Age 57

By cumulative lifetime income

Survivor protection: electing the 50% option reduces the pension by about 10% ($325/mo) and, if you die first, pays your spouse $1,623/mo for life. Whether it comes out ahead depends on how long you both live.

Decision Scorecard

How each retirement age scores across the factors that matter most. Use this to identify which scenario best matches your priorities.

Factor	Age 57 ★ Highest income by 80	Age 60	Age 62
Lifetime Income Cumulative pension + supplement through age 80	Medium	Low	High
Years of Freedom Fewer years of work before retirement	High	Medium	Low
Pension Certainty Size of guaranteed monthly annuity	Low	Medium	High
TSP Dependency How much TSP is needed to bridge income gaps	High	Medium	Low
Flexibility Years remaining to change course	High	Medium	Low
FERS Supplement Supplement income available until age 62	Yes	Yes	No

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