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Guides for federal employees planning retirement.

Practical explanations of FERS rules, strategies, and the decisions that shape retirement income.

ferseligibilityretirement-planning

Understanding FERS Retirement Eligibility: MRA, MRA+10, and 60/20

A plain-language guide to FERS retirement eligibility rules, including minimum retirement age, MRA+10, and the 60/20 option.

FERSCalc

A free, local-first planning tool for comparing federal retirement timing and income.

FERSCalc helps you pressure-test scenarios before you make a decision. It is not affiliated with OPM or any federal agency, and it does not replace official benefit estimates or professional advice.

A Digital Wave project

Expectations

  • Calculator data stays in your browser unless you export it.
  • State income tax is modeled for all 50 states and DC.
  • Results depend on your inputs and planning assumptions.

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Confirm final decisions with official sources and qualified advisors.