Estimate your approximate Civil Service Retirement System (CSRS) annuity. This calculator provides an estimate and is not a guarantee of your final annuity amount. Consult official OPM resources for precise calculations.
Immediate (Full Benefits)
Early (Age 62+ with 5 Years Service)
Early (Age 55+ with 30 Years Service)
Early (Age 50+ with 25 Years Service)
Early (Under Age 50+ with 20 Years Service)
Estimated Annual Annuity:
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Understanding Your CSRS Retirement Annuity
The Civil Service Retirement System (CSRS) is a defined benefit retirement system for federal employees hired before January 1, 1984. Your CSRS annuity is calculated based on your years of creditable service and your average salary over your highest-earning consecutive 36 months (your "High-3").
Key Components:
Creditable Service: This includes all periods of civilian service for which you received pay and made CSRS contributions, or that you can buy back (e.g., military service).
High-3 Average Salary: This is the average of your basic pay for the highest 36 consecutive months of your federal employment.
Annuity Formula: The basic formula involves multiplying your High-3 average salary by a percentage determined by your years of service and your retirement type.
CSRS Annuity Formulas:
The general formula for the CSRS annuity is:
Annuity = High-3 Average Salary * (Service Percentage Factor)
The "Service Percentage Factor" varies based on the type of retirement:
Immediate Retirement (Full Benefits):
General Schedule (GS) Employees: 1.5% for the first 5 years of service, plus 1.75% for the next 5 years, plus 2% for all service over 10 years.
Other than General Schedule (Non-GS) Employees: 1.5% for all years of service.
Early Retirement (Age 62+ with 5 Years Service): 1% for each year of service.
Early Retirement (Age 55+ with 30 Years Service): 1.75% for the first 10 years of service, plus 2% for all service over 10 years. (Note: Some earlier retirements may have used the 1.5%/1.75%/2% structure).
Early Retirement (Age 50+ with 25 Years Service): 1.75% for the first 10 years of service, plus 2% for all service over 10 years.
Early Retirement (Under Age 50+ with 20 Years Service): 1.5% for all years of service.
How This Calculator Works:
This calculator simplifies the process. It asks for your total creditable service (in years and months) and your High-3 average salary. It then applies the appropriate percentage factor based on the retirement type you select. Note that this calculator assumes General Schedule (GS) rates for the "Immediate (Full Benefits)" option, as this is common. If you are a non-GS employee, your immediate retirement annuity calculation might differ.
Important Considerations:
This is an ESTIMATE. Your official annuity calculation will be performed by the Office of Personnel Management (OPM).
CSRS annuities are subject to cost-of-living adjustments (COLAs) after retirement.
Forfeitures (e.g., due to certain types of separation from service) are not factored in.
This calculator does not account for potential annuity offsets (e.g., Social Security benefits if you also have covered employment).
It does not calculate survivor benefits, which require a reduction in your own annuity.
For precise calculations and definitive information, please refer to OPM's official publications and contact your agency's HR/retirement specialist.
function calculateCSRSRetirement() {
var serviceYearsInput = document.getElementById("serviceYears");
var serviceMonthsInput = document.getElementById("serviceMonths");
var highThreeAvgInput = document.getElementById("highThreeAvg");
var retirementTypeSelect = document.getElementById("retirementType");
var resultDiv = document.getElementById("result");
var serviceYears = parseFloat(serviceYearsInput.value);
var serviceMonths = parseFloat(serviceMonthsInput.value);
var highThreeAvg = parseFloat(highThreeAvgInput.value);
var retirementType = retirementTypeSelect.value;
// Input validation
if (isNaN(serviceYears) || serviceYears < 0) {
resultDiv.textContent = "Invalid service years.";
resultDiv.style.color = "red";
return;
}
if (isNaN(serviceMonths) || serviceMonths 11) {
resultDiv.textContent = "Invalid service months (0-11).";
resultDiv.style.color = "red";
return;
}
if (isNaN(highThreeAvg) || highThreeAvg <= 0) {
resultDiv.textContent = "Invalid High-3 average salary.";
resultDiv.style.color = "red";
return;
}
var totalServiceDecimal = serviceYears + (serviceMonths / 12);
var percentageFactor = 0;
switch (retirementType) {
case "immediate_full":
// Assuming GS employee rates for immediate full retirement
if (totalServiceDecimal <= 5) {
percentageFactor = totalServiceDecimal * 0.015; // 1.5% per year
} else if (totalServiceDecimal <= 10) {
percentageFactor = (5 * 0.015) + ((totalServiceDecimal – 5) * 0.0175); // 1.5% for first 5, 1.75% after
} else {
percentageFactor = (5 * 0.015) + (5 * 0.0175) + ((totalServiceDecimal – 10) * 0.02); // 1.5% for first 5, 1.75% for next 5, 2% after
}
break;
case "early_age_62":
percentageFactor = totalServiceDecimal * 0.01; // 1% per year
break;
case "early_age_55":
// Based on standard formula for 30+ years, assuming GS structure applies
if (totalServiceDecimal <= 10) {
percentageFactor = totalServiceDecimal * 0.0175; // 1.75% for first 10 years
} else {
percentageFactor = (10 * 0.0175) + ((totalServiceDecimal – 10) * 0.02); // 1.75% for first 10, 2% after
}
break;
case "early_age_50":
if (totalServiceDecimal <= 10) {
percentageFactor = totalServiceDecimal * 0.0175; // 1.75% for first 10 years
} else {
percentageFactor = (10 * 0.0175) + ((totalServiceDecimal – 10) * 0.02); // 1.75% for first 10, 2% after
}
break;
case "early_under_50":
percentageFactor = totalServiceDecimal * 0.015; // 1.5% per year
break;
default:
resultDiv.textContent = "Select a retirement type.";
resultDiv.style.color = "red";
return;
}
var estimatedAnnuity = highThreeAvg * percentageFactor;
resultDiv.textContent = "$" + estimatedAnnuity.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
resultDiv.style.color = "#28a745"; // Success Green
}