FERS Supplement Calculator
2026Estimate the FERS annuity supplement (SRS) paid until 62 — Social Security at 62 × years ÷ 40 — including the 2026 earnings test.
By Konstantin Iakovlev · Updated September 2026 · Source: OPM — FERS Annuity Supplement (Types of Retirement)
Monthly Supplement
$1,350.00
Annual Supplement
$16,200.00
Earnings-Test Reduction
$0.00
How It Is Computed
| SS at 62 × years ÷ 40 | $1,350.00 |
| Earnings over $24,480 limit (2026) | $0.00 |
| Reduction ($1 per $2 over) | $0.00/yr |
| Net monthly supplement | $1,350.00 |
Paid until 62, then it stops — your own Social Security decision is separate. MRA+10 retirements do not qualify.
Use the FERS Supplement Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
The FERS annuity supplement — officially the Special Retirement Supplement — bridges the gap for federal employees who retire before 62 on an immediate, unreduced annuity: MRA with 30 years, or age 60 with 20. It approximates the Social Security you have earned through FERS service but cannot claim yet: your estimated age-62 Social Security benefit multiplied by your FERS civilian service, rounded to the nearest whole year, divided by 40.
Two inputs matter more than people expect. First, only civilian FERS years count. Military time is excluded from the supplement formula even when bought back (it still raises the annuity itself); the one exception is military service performed while on military leave from a civilian job, with the deposit paid under USERRA rules, which OPM treats as civilian service. Second, the supplement faces the same earnings test as early Social Security: in 2026, earned income above $24,480 cuts the supplement $1 for every $2 over the limit, based on wages and self-employment — pensions, TSP withdrawals and investment income do not count.
The supplement stops at 62 regardless of when you claim Social Security, and it carries no COLA while paid. MRA+10 retirements never qualify; special-category employees (law enforcement, firefighters, ATC) get it earlier and exempt from the earnings test until MRA. It is fully taxable as ordinary income.
Example: Retiring at 57 with 30 Years, Then Working Part-Time
- 1 A FERS employee retires at their MRA of 57 with 30 years of civilian service. Their ssa.gov statement estimates $1,800/month at age 62.
- 2 Supplement: $1,800 × 30 ÷ 40 = $1,350 per month.
- 3 They take a part-time job paying $40,000 a year. Excess over the 2026 limit: $40,000 − $24,480 = $15,520; the reduction is $15,520 ÷ 2 = $7,760/year, or $646.67/month.
- 4 Net supplement: $1,350 − $646.67 = $703.33 per month ($8,440 a year) — paid until 62, on top of the FERS annuity itself.
Source: OPM — FERS Annuity Supplement (Types of Retirement) · Last updated: September 2026
Frequently Asked Questions
How is the FERS supplement calculated?
Who gets the FERS supplement?
Does working reduce the FERS supplement?
When does the supplement stop?
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