FERS retirement after 25 years

After 25 years of federal service, a FERS pension on a $90,000 high-3 is $1,875 a month ($22,500 a year) starting at 60, or $2,063 from 62 at the 1.1% rate. Below: the amount at other salaries and ages, when you can retire, the supplement, the survivor cost and a calculator set to 25 years.

Short answer: $1,875 a month ($22,500 a year) from age 60 on a $90,000 high-3: 1% of your high-3 for each of 25 years, 25% in all, before tax and any survivor benefit. With 25 years you can retire at 60 on an unreduced annuity with the FERS supplement until 62, or at your Minimum Retirement Age (57 if born 1970 or later) with a 5% cut for each year under 62. At 62 the multiplier rises to 1.1%.

Updated November 4, 2026 · By Berkay Kolay

FERS pension after 25 years, by high-3 and starting age

25 years at 1% replaces 25% of your high-3, or 27.5% at 62 and later at 1.1%. Monthly amounts before tax for someone born in 1970 or later (MRA 57); a cut marks the MRA+10 reduction for starting before 62.

Monthly FERS annuity after 25 years by high-3 salary and starting age
High-3 salary	At 57 (MRA)	At 60	At 62
$60,000	$938 (25% cut)	$1,250	$1,375
$75,000	$1,172 (25% cut)	$1,563	$1,719
$90,000	$1,406 (25% cut)	$1,875	$2,063
$110,000	$1,719 (25% cut)	$2,292	$2,521
$130,000	$2,031 (25% cut)	$2,708	$2,979

When you can retire with 25 years

With 25 years you can retire at 60 on an unreduced annuity with the FERS supplement until 62, or at your Minimum Retirement Age (57 if born 1970 or later) with a 5% cut for each year under 62. At 62 the multiplier rises to 1.1%.

Your Minimum Retirement Age depends on the year you were born, from 55 for people born before 1948 to 57 for 1970 and later:

FERS Minimum Retirement Age by year of birth (OPM)
Born	MRA
1952	55 and 10 months
1953 to 1964	56
1965	56 and 2 months
1966	56 and 4 months
1967	56 and 6 months
1968	56 and 8 months
1969	56 and 10 months
1970 or later	57

The FERS supplement with 25 years

Retiring unreduced before 62 (at 60) adds the FERS supplement until 62: your Social Security estimate at 62 times 25 / 40. On a $2,000 estimate that is $1,250 a month, so $3,125 in all until 62. It is cut $1 for every $2 you earn above Social Security’s annual limit, and it stops at 62, when Social Security can start.

If you leave federal service with 25 years

Leaving before you are eligible to retire gives a deferred annuity: $1,875 a month from 62 on a $90,000 high-3. It always uses 1%, even at 62 with 20 years, does not count unused sick leave and pays no supplement. With 25 years it can also start at your MRA, cut 5% for each year under 62. Taking a refund of your contributions instead gives up the annuity.

After the survivor annuity

A married retiree takes a 50% survivor annuity unless the spouse consents to less. It costs 10% of the annuity and a 25% survivor annuity costs 5%. At 60 on a $90,000 high-3:

No survivor annuity: $1,875 a month.
25% survivor annuity: $1,781 a month.
50% survivor annuity: $1,688 a month.

Regular FERS annuities get cost-of-living increases from 62. The annuity is taxed as ordinary income except the part that returns your contributions, and many states exempt some or all of it: see retirement taxes by state.

The calculator, set to 25 years

Change the salary, starting age, sick leave or survivor choice. The full FERS retirement calculator page explains every rule.

High-3 average salary ($)

Years of creditable service

Unused sick leave (hours)

Year you were born

Age the annuity starts

Social Security at 62 (a month) ($)

How you leave

Survivor benefit

Retirement coverage

Monthly annuity$1,875$22,500 a year, before tax

Share of high-325.0%25 years at 1% a year

FERS supplement$1,250a month, until 62

$90,000 × 25 years × 1% is $22,500 a year: $22,500 a year. Immediate annuity, not reduced for age. Cost-of-living increases start at 62.

Your MRA is 57. Add this annuity to the monthly retirement income calculator.

TSP and Social Security beside the pension

Monthly retirement income calculator: add the annuity to Social Security and what your savings pay. Its pension calculator works for any plan’s formula.
How long will my money last: how far your TSP and other savings stretch on top of the pension.
Rule of 55 calculator: TSP withdrawals skip the 10% penalty if you leave in or after the year you turn 55 (50 for public safety employees).
72(t) calculator: penalty-free IRA payments before 59½ if you leave earlier.
Social Security breakeven calculator: when to claim once the supplement stops at 62.
Pension vs lump sum calculator: what a monthly pension is worth as a single payment.

Other years of service

Estimates on OPM’s published FERS rules for the regular formula, not an OPM computation. Updated 2026-11-04.

Figures checked on November 4, 2026 against OPM, FERS basic annuity computation, OPM, FERS retirement eligibility and Minimum Retirement Age, OPM, FERS types of retirement and the annuity supplement and OPM BAL 18-103, FERS unused sick leave and the 1.1% computation (PDF).

Frequently asked questions

How much is a FERS pension after 25 years?

On a $90,000 high-3, 25 years at 1% is $22,500 a year, $1,875 a month, from 60. Retiring at 62 or later raises the multiplier to 1.1%: $24,750 a year, $2,063 a month. On a $60,000 high-3 it is $1,375 a month at 62.

When can I retire with 25 years of federal service?

How much is the MRA+10 reduction with 25 years?

5% for each year you are under 62 when the annuity starts (5/12 of 1% a month). Starting at your MRA of 57 cuts it 25%: $1,406 a month instead of $2,063 at 62 on a $90,000 high-3. With 20 or more years, waiting to 60 removes the reduction. You can also leave at the MRA and postpone the start to shrink the cut.

Do I get the FERS supplement with 25 years?

Yes, if the annuity is not reduced for age: from 60 to 62. It is your Social Security estimate at 62 times your FERS years divided by 40: $1,250 a month on a $2,000 estimate. It stops at 62 and is cut $1 for every $2 you earn above Social Security’s limit.

What if I leave federal service with 25 years?

You can take a deferred annuity: at 62 at 1% of your high-3 per year ($1,875 a month on $90,000), or from your MRA with the 5% a year reduction. A deferred annuity uses 1% even at 62, gets no supplement and does not count unused sick leave. Your TSP stays yours either way.

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