FERS Supplement Calculator

What is the FERS Annuity Supplement?

The FERS Annuity Supplement — also called the Special Retirement Supplement (SRS) or FERS Supplement — is a monthly payment OPM makes to eligible FERS retirees from their retirement date until they turn 62. It is designed to approximate the Social Security benefit you earned during your FERS civilian career, bridging the income gap for employees who retire before Social Security eligibility at 62.

The formula is straightforward: your estimated Social Security benefit at 62, multiplied by your years of FERS civilian service divided by 40. An employee with a $2,000/month SS estimate and 30 years of civilian service would receive 30/40 × $2,000 = $1,500/month until they turn 62 — regardless of when they actually claim Social Security.

Who qualifies — and who doesn't

Eligibility depends entirely on your retirement type:

• Immediate unreduced (MRA+30 or 60+20): Eligible. Supplement begins at retirement.
• Special-provision (LEO/FF/ATC): Eligible, even before MRA. Exempt from the earnings test until reaching MRA.
• VERA (early-out):Eligible, but payments are delayed until you reach your MRA. You may retire earlier under VERA, but the supplement clock doesn't start until MRA.
• MRA+10 (reduced): Not eligible. Taking the immediate reduced annuity at MRA with 10–29 years forfeits the supplement.
• Deferred retirement: Not eligible.
• Disability retirement: Not eligible.

Civilian service only — the rule most people miss

The supplement formula uses only your years of FERS civilian service. If you made a military service deposit and bought back military time, those years count toward your FERS pension calculation — but not toward the supplement. The denominator in the formula is always 40 (the SSA “full career” assumption), and the numerator is civilian years only.

Years round to the nearest whole year. If you have 30 years and 7 months, OPM rounds to 31. If you have 30 years and 4 months, OPM rounds to 30. Enter your exact years and let the calculator handle the rounding.

The earnings test

If you work and earn wages or self-employment income in retirement, the supplement may be reduced. The rule mirrors the SSA earnings test for pre-FRA beneficiaries: for 2026, if your earned income exceeds $24,480, OPM withholds $1 of supplement for every $2 earned above the limit.

Critically, only earned income counts — wages and net self-employment income. Pensions, TSP withdrawals, rental income, dividends, interest, and capital gains do not count. Special-provision retirees (LEO, firefighters, ATC) are exempt from the earnings test until they reach their MRA.

When it stops at age 62

The supplement stops the month you turn 62 — automatically, regardless of whether you file for Social Security at that age. Many employees plan around the supplement as a fixed income source for the early retirement years, only to face a significant income drop at 62 when it ends and before Social Security (if claimed later) begins. The FedHorizon Timeline models this cliff explicitly, showing your projected monthly income year by year through the supplement window and beyond.