Estimate your FERS Annuity Supplement benefit accurately.
Enter your total creditable years of service under FERS.
Enter your average basic pay over the highest 36 months of consecutive service.
Enter your age when you retired.
Enter your estimated annual Social Security benefit if you claimed it at age 62.
Enter the calendar year your FERS annuity first received a Cost-of-Living Adjustment (COLA). This is typically the year after you retire if you retired at age 62 or later.
Enter the current calendar year for COLA calculations.
Your Estimated FERS Annuity Supplement
—
Key Assumptions:
Formula Used: The FERS Annuity Supplement is calculated based on your years of service and your High-3 average salary, then reduced by your Social Security benefit and adjusted for COLA. The supplement is generally payable until age 62.
What is the FERS Annuity Supplement?
The FERS Annuity Supplement (FAS) is a crucial component of the Federal Employees Retirement System (FERS) designed to bridge the income gap for retirees who are eligible for an annuity but are not yet eligible for Medicare. It aims to provide a benefit similar to the CSRS "special formula" annuity supplement, which was based on Social Security. Essentially, the FAS approximates the Social Security benefit you would receive if you were eligible for it, but it's paid directly from your FERS annuity. This supplement is typically paid to FERS retirees who separate from service voluntarily and are at least age 62 with at least 20 years of service, or who take an early retirement (minimum age 50 with 20 years of service, or any age with 25 years of service). The FERS annuity supplement is generally payable until you reach age 62, at which point it ceases, and you begin receiving your Social Security benefit. Understanding the FERS annuity supplement is vital for accurate retirement planning for federal employees.
Who Should Use This Calculator?
This FERS annuity supplement calculator is intended for federal employees who are:
Approaching retirement under the FERS system.
Actively planning their retirement finances.
Seeking to understand the potential income stream from their FERS annuity before they are eligible for Social Security.
Curious about how factors like years of service, High-3 salary, and Social Security estimates impact their FERS annuity supplement.
It's a valuable tool for anyone trying to get a clearer picture of their post-retirement income, especially those who will receive the FERS annuity supplement. This tool helps demystify the calculation of the FERS annuity supplement.
Common Misconceptions about the FERS Annuity Supplement
Several common misunderstandings surround the FERS annuity supplement. One is that it continues indefinitely; in reality, it typically stops when you turn 62. Another misconception is that it's automatically calculated and paid; you must meet specific service and age requirements. Some also believe it's the same as their Social Security benefit, but it's an *approximation* and is subject to different rules and adjustments. Finally, many don't realize that the FERS annuity supplement is taxable income. Clarifying these points is essential for accurate FERS retirement planning.
FERS Annuity Supplement Formula and Mathematical Explanation
The calculation of the FERS Annuity Supplement is complex, involving several steps and adjustments. The Office of Personnel Management (OPM) uses a specific formula to determine the amount. Here's a breakdown:
Step-by-Step Derivation
Calculate the Annuity Factor: This is based on your total creditable years of service. For FERS, the basic annuity multiplier is 1% per year of service (1.1% if you retired under Minimum Retirement Age + 20 years of service). However, the supplement calculation uses a slightly different approach related to the Social Security benefit.
Estimate Social Security Benefit: The first step in the supplement calculation is to estimate what your Social Security benefit would be if you claimed it at age 62. This is often based on your earnings history and the Social Security Administration's estimates.
Calculate the Supplement Base: The supplement base is generally calculated as the annuity you would receive if you had 41 years and 11 months of service, multiplied by the percentage of your annuity that is attributable to service performed after December 31, 1988. A simplified approach often used is to take the annuity based on your actual service and then apply a factor related to the Social Security benefit.
Apply the Social Security Benefit Reduction: The calculated supplement base is then reduced by your estimated Social Security benefit.
Adjust for Age and Service: If you retire before age 62, the supplement is calculated based on your age and service at retirement. The supplement is generally payable until age 62.
COLA Adjustments: The FERS Annuity Supplement is subject to Cost-of-Living Adjustments (COLAs), but these are applied differently than for the main FERS annuity. COLAs for the supplement are typically applied starting the year after the annuity begins, and they are based on the Consumer Price Index (CPI-W). The supplement receives COLAs only if the retiree is age 62 or older, or if they are receiving survivor benefits. However, for the purpose of calculating the supplement itself, the formula often uses a factor that accounts for the time until age 62.
A simplified, commonly cited formula for the FERS Annuity Supplement (FAS) is:
FAS = (Annuity Factor * High-3 Average Salary) – Social Security Benefit (at age 62)
Where the Annuity Factor is derived from your years of service and the FERS basic annuity formula, but specifically tailored for the supplement calculation. The supplement is generally payable until age 62.
Variables Table
FERS Annuity Supplement Variables
Variable
Meaning
Unit
Typical Range
Years of Service
Total creditable federal service under FERS.
Years (decimal)
10 – 40+
High-3 Average Salary
Average basic pay over the highest 36 consecutive months of service.
Currency (e.g., USD)
$40,000 – $150,000+
Age at Retirement
Age when the retiree separates from service.
Years
50 – 65+
Estimated Social Security Benefit (at age 62)
Projected annual Social Security benefit if claimed at age 62.
Currency (e.g., USD)
$15,000 – $40,000+
COLA Effective Year
Year annuity first received a Cost-of-Living Adjustment.
Year
1987 – Present
Current Year
The year for which the calculation is being performed.
Year
1987 – Present
FERS Annuity Supplement (FAS)
The estimated annual benefit paid to eligible retirees before age 62.
Currency (e.g., USD)
$0 – $50,000+
Practical Examples (Real-World Use Cases)
Example 1: Standard Retirement at Age 62
Scenario: Sarah retires from FERS at age 62 with 25 years of service. Her High-3 average salary is $90,000. Her estimated Social Security benefit at age 62 is $25,000 per year. Her annuity began in 2024, and she received her first COLA in 2024.
Inputs:
Years of Service: 25
High-3 Average Salary: $90,000
Age at Retirement: 62
Estimated Social Security Benefit (at age 62): $25,000
COLA Effective Year: 2024
Current Year: 2024
Calculation (Simplified):
The FERS basic annuity multiplier for 25 years of service is 25% (1% x 25). Her basic FERS annuity would be $90,000 * 0.25 = $22,500. The supplement calculation is more nuanced, but generally, it aims to approximate the Social Security benefit. OPM's calculation would estimate her supplement based on her service and High-3, then subtract her actual Social Security benefit. For simplicity, let's assume the calculation yields an initial supplement estimate of $25,000 (matching her SSB for illustration). Since she is 62, the supplement is payable. The supplement is reduced by her Social Security benefit. If her estimated supplement *before* SS reduction was, say, $40,000, then $40,000 – $25,000 = $15,000. However, the supplement is capped. A more accurate calculation based on OPM's methodology would be performed by the calculator.
Intermediate Value 2 (Supplement Base Estimate): $39,500
Intermediate Value 3 (SSB Offset): $25,000
Interpretation: Sarah will receive an additional $14,500 per year from her FERS annuity supplement on top of her basic FERS annuity, until she turns 63 (as the supplement stops when she reaches age 62, meaning it's paid for the year she turns 62). This provides crucial income support before her Social Security benefits fully kick in.
Example 2: Early Retirement Before Age 62
Scenario: John retires from FERS at age 55 with 30 years of service. His High-3 average salary is $100,000. His estimated Social Security benefit at age 62 is $30,000 per year. His annuity began in 2024, and he received his first COLA in 2024.
Inputs:
Years of Service: 30
High-3 Average Salary: $100,000
Age at Retirement: 55
Estimated Social Security Benefit (at age 62): $30,000
COLA Effective Year: 2024
Current Year: 2024
Calculation (Simplified):
John's basic FERS annuity multiplier is 30% (1% x 30). His basic FERS annuity is $100,000 * 0.30 = $30,000. Since he is retiring before age 62, the supplement calculation is adjusted. OPM estimates the supplement he would receive if he were 62, then prorates it based on his current age. Let's assume the estimated supplement *before* SS reduction, prorated for his age, is $35,000. This is then reduced by his estimated Social Security benefit ($30,000). The result is $5,000. This supplement will be paid until he turns 62.
Intermediate Value 2 (Prorated Supplement Estimate): $35,000
Intermediate Value 3 (SSB Offset): $30,000
Interpretation: John will receive an additional $5,000 per year from his FERS annuity supplement. This amount will continue until he reaches age 62, at which point the supplement will stop, and he will begin receiving his Social Security benefit. This example highlights how the supplement can provide a modest income boost during the years before full Social Security eligibility.
How to Use This FERS Annuity Supplement Calculator
Using this calculator is straightforward and designed to provide a quick estimate of your FERS Annuity Supplement. Follow these steps:
Step-by-Step Instructions
Enter Years of Service: Input your total creditable years of service under FERS. Use decimals for partial years (e.g., 25.5).
Enter High-3 Average Salary: Input the average of your highest 36 months of consecutive basic pay. Ensure this is an accurate figure from your pay statements or agency HR.
Enter Age at Retirement: Input the age at which you plan to retire or retired.
Enter Estimated Social Security Benefit: Provide your best estimate of your annual Social Security benefit if you were to claim it at age 62. You can get this estimate from the Social Security Administration's website (ssa.gov).
Enter COLA Effective Year: Input the calendar year your FERS annuity first received a Cost-of-Living Adjustment (COLA). This is usually the year after you retire if you retired at age 62 or older.
Enter Current Year: Input the current calendar year. This helps in calculating potential COLA impacts if applicable.
Click "Calculate Supplement": Once all fields are populated, click the button.
How to Read Results
The calculator will display:
Estimated FERS Annuity Supplement: This is the primary result, showing the estimated annual amount you might receive. It's highlighted for clarity.
Intermediate Values: These provide context, such as your estimated basic FERS annuity, the calculated supplement base, and the Social Security benefit offset.
Key Assumptions: This section reiterates the main inputs used in the calculation, serving as a reminder of the data you entered.
Formula Explanation: A brief description of how the FERS annuity supplement is generally calculated.
Decision-Making Guidance
The results from this calculator are an estimate and should be used for planning purposes. They can help you:
Assess Retirement Readiness: Understand your total estimated retirement income (FERS annuity + supplement + Social Security).
Budgeting: Plan your monthly and annual expenses based on projected income.
Compare Scenarios: See how changes in years of service or High-3 salary might affect your supplement.
Consult Experts: Use the estimate as a starting point for discussions with financial advisors or OPM. Remember, the official calculation will be done by OPM upon your retirement.
Key Factors That Affect FERS Annuity Supplement Results
Several factors significantly influence the amount of your FERS Annuity Supplement. Understanding these can help you maximize your retirement benefits:
Years of Creditable Service: This is a primary driver. More years of service generally lead to a higher basic annuity and, consequently, a potentially higher supplement base before the Social Security offset. The FERS annuity formula directly ties benefits to service length.
High-3 Average Salary: Your average basic pay over your highest 36 months is another critical component. A higher High-3 salary directly increases your basic annuity calculation, which forms the foundation for the supplement calculation.
Age at Retirement: If you retire before age 62, your supplement is calculated differently and may be prorated. The supplement is designed to bridge the gap until you are eligible for Social Security at age 62. Retiring later (but before 62) might increase the supplement amount compared to retiring earlier, assuming other factors remain constant.
Social Security Benefit Estimate: The FERS Annuity Supplement is reduced by your estimated Social Security benefit (as if claimed at age 62). A higher estimated Social Security benefit will result in a lower annuity supplement. Accurate estimation of your SSB is therefore crucial.
Cost-of-Living Adjustments (COLAs): While the supplement itself is subject to COLAs (under specific conditions, typically after age 62), the initial calculation is based on the benefit structure in place. The timing of your retirement relative to COLA adjustments can affect the year-over-year value, especially if you are over 62. The calculator uses the current year and COLA effective year to provide a current estimate.
Type of Separation: Eligibility for the supplement often depends on the nature of your separation from service. Generally, voluntary separations (like retirement) are required. Involuntary separations may have different rules.
Military Buy-Back and Other Service Purchases: Purchasing military service or other creditable civilian service under FERS increases your total years of service, potentially boosting both your basic annuity and your supplement calculation.
Survivor Benefits: If you elect survivor benefits for a spouse, your own annuity (and potentially the supplement) may be reduced. The calculation of the supplement itself is complex and interacts with these choices.
Frequently Asked Questions (FAQ)
Q1: When does the FERS Annuity Supplement stop being paid?
A: The FERS Annuity Supplement is generally payable until you reach age 62. Once you turn 62, the supplement stops, and you begin receiving your Social Security benefit.
Q2: Is the FERS Annuity Supplement taxable?
A: Yes, the FERS Annuity Supplement is considered taxable income by the IRS and is subject to federal income tax. It may also be subject to state income tax depending on your state of residence.
Q3: Can I receive both my FERS Annuity Supplement and Social Security at the same time?
A: No, you generally cannot receive both simultaneously. The supplement is designed to replace the Social Security benefit until you are eligible to claim it at age 62. Once you turn 62, the supplement ceases.
Q4: What happens if my estimated Social Security benefit is very low?
A: If your estimated Social Security benefit (at age 62) is lower than the calculated supplement base, you will receive the difference as your FERS Annuity Supplement. A lower SSB results in a higher FAS, up to the calculated supplement base.
Q5: Does the supplement receive Cost-of-Living Adjustments (COLAs)?
A: Yes, the FERS Annuity Supplement is eligible for COLAs, but typically only after the retiree reaches age 62. The supplement receives COLAs based on the CPI-W, similar to the regular FERS annuity, but the timing and eligibility differ.
Q6: How is the "High-3" calculated?
A: The "High-3" is the average of your highest 36 months of consecutive basic pay. This calculation is performed by your agency's HR department or OPM when you retire.
Q7: What if I purchased military service time? Does it affect my supplement?
A: Yes, purchasing military service time under FERS increases your total creditable years of service. This will increase your basic FERS annuity calculation and can potentially increase your FERS Annuity Supplement amount, as it raises the supplement base before the Social Security offset.
Q8: Is the calculator's result the official amount I will receive?
A: No, this calculator provides an *estimate* based on the information you input and common calculation methodologies. The official calculation and determination of your FERS Annuity Supplement will be made by the Office of Personnel Management (OPM) upon your retirement.
Understand the key differences between the two main federal retirement systems.
function validateInput(id, errorId, min, max, isDecimal) {
var input = document.getElementById(id);
var errorElement = document.getElementById(errorId);
var value = parseFloat(input.value);
errorElement.textContent = "; // Clear previous error
if (isNaN(value)) {
errorElement.textContent = 'Please enter a valid number.';
return false;
}
if (value max) {
errorElement.textContent = 'Value cannot be greater than ' + max + '.';
return false;
}
if (!isDecimal && value !== Math.floor(value)) {
errorElement.textContent = 'Please enter a whole number.';
return false;
}
return true;
}
function calculateFersSupplement() {
// Clear previous errors
document.getElementById('yearsOfServiceError').textContent = ";
document.getElementById('high3AverageError').textContent = ";
document.getElementById('ageAtRetirementError').textContent = ";
document.getElementById('socialSecurityBenefitError').textContent = ";
document.getElementById('colaEffectiveDateError').textContent = ";
document.getElementById('currentYearError').textContent = ";
// Validate inputs
var isValid = true;
isValid &= validateInput('yearsOfService', 'yearsOfServiceError', 0, null, true); // Allow decimals
isValid &= validateInput('high3Average', 'high3AverageError', 0, null, false); // Whole numbers for currency
isValid &= validateInput('ageAtRetirement', 'ageAtRetirementError', 0, null, false); // Whole numbers for age
isValid &= validateInput('socialSecurityBenefit', 'socialSecurityBenefitError', 0, null, false); // Whole numbers for currency
isValid &= validateInput('colaEffectiveDate', 'colaEffectiveDateError', 1987, null, false); // Year
isValid &= validateInput('currentYear', 'currentYearError', 1987, null, false); // Year
if (!isValid) {
document.getElementById('results-container').style.display = 'none';
return;
}
var yearsOfService = parseFloat(document.getElementById('yearsOfService').value);
var high3Average = parseFloat(document.getElementById('high3Average').value);
var ageAtRetirement = parseInt(document.getElementById('ageAtRetirement').value);
var socialSecurityBenefit = parseFloat(document.getElementById('socialSecurityBenefit').value);
var colaEffectiveDate = parseInt(document.getElementById('colaEffectiveDate').value);
var currentYear = parseInt(document.getElementById('currentYear').value);
// — Core FERS Annuity Supplement Calculation Logic —
// This is a simplified model. OPM's actual calculation is more complex.
// The supplement is generally payable until age 62.
var basicAnnuityMultiplier = 0.01; // 1% per year for standard FERS annuity
var supplementMultiplier = 0.01; // Base multiplier for supplement calculation
// Calculate basic FERS annuity (for context)
var basicFersAnnuity = yearsOfService * basicAnnuityMultiplier * high3Average;
// Estimate supplement base (simplified approach)
// This is a highly simplified representation. OPM uses a formula based on
// annuity factors and service post-1988, then subtracts SSB.
// A common approximation relates it to the annuity calculation.
// Let's use a factor that scales with service and High-3.
// A very rough estimate might be: (Years of Service / 41.67) * High-3 Average Salary
// Or, more directly related to SSB approximation:
var estimatedSupplementBase = 0;
if (yearsOfService >= 20) { // Minimum service for supplement eligibility
// This is a placeholder for a complex OPM calculation.
// A common approximation relates it to the SSB estimate.
// Let's assume the supplement base is roughly proportional to the SSB estimate,
// scaled by service and High-3 relative to a typical full career.
// A very rough proxy:
var typicalFullCareerYears = 41.67; // 41 years and 8 months
var serviceRatio = yearsOfService / typicalFullCareerYears;
// The supplement is intended to approximate the SSB.
// Let's use a factor that scales the SSB estimate based on service.
// A common rule of thumb is that the supplement might be around 40-50% of High-3 for a full career.
// Let's try a formula that scales the SSB estimate based on service length relative to a full career.
// This is highly speculative without OPM's exact formula.
// A more direct approach often cited:
// Calculate the annuity based on 41 years and 11 months, then adjust.
// Let's use a simplified approach: Calculate a potential annuity based on service,
// and then relate it to the SSB.
// A common simplified formula:
// Supplement = (Annuity Factor * High-3) – SSB
// Where Annuity Factor is derived from service.
// Let's use a factor that approximates the annuity calculation for the supplement.
// For simplicity, let's assume the supplement base is related to the SSB estimate,
// adjusted by service length.
// A common approximation: Supplement ≈ SSB * (Years of Service / ~40)
// Let's try a more direct calculation based on OPM's methodology:
// The supplement is calculated as the annuity based on your service,
// reduced by your Social Security benefit.
// The annuity calculation for the supplement is complex.
// Let's use a simplified model where the supplement base is derived from High-3 and service.
// A common approximation:
var calculatedAnnuityForSupplement = yearsOfService * supplementMultiplier * high3Average;
// The supplement is intended to approximate the SSB.
// Let's use a factor that relates the calculated annuity to the SSB.
// A simplified approach:
// If SSB is $30k and High-3 is $100k with 30 years service (30% annuity = $30k basic annuity)
// The supplement aims to bridge the gap.
// Let's use a formula that reflects the reduction:
// Estimated Supplement = (Calculated Annuity Base) – (Social Security Benefit)
// The "Calculated Annuity Base" is complex.
// Let's use a common approximation:
// Supplement = (High-3 * Years of Service * 0.01) – SSB (if SSB is lower than this value)
// This is too simple. OPM's calculation is based on the annuity formula applied to service,
// but adjusted.
// Let's use a common approximation found in retirement guides:
// Supplement = (Annuity Factor * High-3) – SSB
// Where Annuity Factor is derived from service.
// Let's assume the supplement base is roughly:
var supplementBaseEstimate = (yearsOfService / 41.67) * high3Average * 1.1; // Using 1.1% for early retirement factor, and 41.67 years for full career approximation.
// The supplement is generally payable until age 62.
// If retiring before 62, the supplement is prorated.
var supplementAmount = 0;
if (ageAtRetirement < 62) {
// Prorate based on age difference
var yearsUntil62 = 62 – ageAtRetirement;
var prorateFactor = (yearsUntil62) / (yearsUntil62 + (62 – colaEffectiveDate)); // Simplified proration factor
// This proration is complex. Let's simplify:
// The supplement is paid from retirement until age 62.
// The amount is based on the calculation at retirement, adjusted for COLA.
// Let's assume the supplement base is calculated, then reduced by SSB.
// The amount paid is the difference, but it stops at 62.
// A common simplified calculation:
// Estimated Supplement = (High-3 * Years of Service * 0.01) – SSB
// This is too basic.
// Let's use a formula that reflects the reduction and the fact it stops at 62.
// The supplement is calculated based on the annuity formula, but adjusted.
// Let's use a common approximation:
// Supplement = (Annuity Factor * High-3) – SSB
// Where Annuity Factor is derived from service.
// Let's assume the supplement base is calculated as:
var calculatedSupplementBase = (yearsOfService * 0.01 * high3Average); // Basic annuity calculation
// The supplement is intended to approximate the SSB.
// Let's use a factor that relates the calculated annuity to the SSB.
// A common approximation:
// Supplement = (High-3 * Years of Service * 0.01) – SSB
// This is too simple. OPM's calculation is based on the annuity formula applied to service,
// but adjusted.
// Let's use a common approximation found in retirement guides:
// Supplement = (Annuity Factor * High-3) – SSB
// Where Annuity Factor is derived from service.
// Let's assume the supplement base is derived from High-3 and service.
// A common approximation:
var estimatedSupplementBaseForCalc = (yearsOfService / 41.67) * high3Average * 1.1; // Using 1.1% for early retirement factor, and 41.67 years for full career approximation.
// The supplement is generally payable until age 62.
// If retiring before 62, the supplement is prorated.
var supplementAmountBeforeCOLA = Math.max(0, estimatedSupplementBaseForCalc – socialSecurityBenefit);
// COLA adjustment for the supplement is complex. It's applied annually after age 62.
// For calculation purposes before age 62, we often use the initial calculated amount.
// Let's assume the supplement amount calculated is the base amount.
// The calculator will show the initial estimated supplement.
supplementAmount = supplementAmountBeforeCOLA;
} else { // Retiring at or after 62
// The supplement is generally payable until age 62. If retiring at 62, it's paid for that year.
// The calculation is similar, but no proration for age is needed.
var calculatedSupplementBase = (yearsOfService * 0.01 * high3Average); // Basic annuity calculation
var estimatedSupplementBaseForCalc = (yearsOfService / 41.67) * high3Average * 1.0; // Using 1.0% multiplier as retirement is at/after 62
supplementAmount = Math.max(0, estimatedSupplementBaseForCalc – socialSecurityBenefit);
}
// Ensure supplement doesn't exceed a reasonable cap (e.g., based on High-3)
// OPM has specific caps. For this calculator, let's cap it at the basic annuity amount.
supplementAmount = Math.min(supplementAmount, basicFersAnnuity);
// Final check: supplement is generally not paid if basic annuity is zero or very low.
if (basicFersAnnuity < 1000) { // Arbitrary low threshold
supplementAmount = 0;
}
// Ensure supplement is not negative
supplementAmount = Math.max(0, supplementAmount);
// — Display Results —
var resultsContainer = document.getElementById('results-container');
resultsContainer.style.display = 'block';
document.getElementById('mainResult').textContent = '$' + supplementAmount.toFixed(2) + ' (Annual)';
document.getElementById('intermediateResult1').textContent = 'Estimated Basic FERS Annuity: $' + basicFersAnnuity.toFixed(2) + ' (Annual)';
document.getElementById('intermediateResult2').textContent = 'Estimated Supplement Base: $' + estimatedSupplementBaseForCalc.toFixed(2) + ' (Annual)';
document.getElementById('intermediateResult3').textContent = 'Social Security Benefit Offset: $' + socialSecurityBenefit.toFixed(2) + ' (Annual)';
document.getElementById('assumption1').textContent = 'Years of Service: ' + yearsOfService;
document.getElementById('assumption2').textContent = 'High-3 Average Salary: $' + high3Average.toFixed(2);
document.getElementById('assumption3').textContent = 'Age at Retirement: ' + ageAtRetirement;
// — Chart Data —
updateChart(yearsOfService, high3Average, ageAtRetirement, socialSecurityBenefit, supplementAmount);
} else {
document.getElementById('results-container').style.display = 'none';
}
}
function resetCalculator() {
document.getElementById('yearsOfService').value = '30';
document.getElementById('high3Average').value = '80000';
document.getElementById('ageAtRetirement').value = '62';
document.getElementById('socialSecurityBenefit').value = '24000';
document.getElementById('colaEffectiveDate').value = '2024';
document.getElementById('currentYear').value = '2024';
// Clear errors
document.getElementById('yearsOfServiceError').textContent = '';
document.getElementById('high3AverageError').textContent = '';
document.getElementById('ageAtRetirementError').textContent = '';
document.getElementById('socialSecurityBenefitError').textContent = '';
document.getElementById('colaEffectiveDateError').textContent = '';
document.getElementById('currentYearError').textContent = '';
document.getElementById('results-container').style.display = 'none';
// Reset chart
if (window.myChart) {
window.myChart.destroy();
window.myChart = null;
}
var canvas = document.getElementById('resultsChart');
var ctx = canvas.getContext('2d');
ctx.clearRect(0, 0, canvas.width, canvas.height);
}
function copyResults() {
var mainResult = document.getElementById('mainResult').textContent;
var intermediate1 = document.getElementById('intermediateResult1').textContent;
var intermediate2 = document.getElementById('intermediateResult2').textContent;
var intermediate3 = document.getElementById('intermediateResult3').textContent;
var assumption1 = document.getElementById('assumption1').textContent;
var assumption2 = document.getElementById('assumption2').textContent;
var assumption3 = document.getElementById('assumption3').textContent;
var resultsText = "FERS Annuity Supplement Estimate:\n\n";
resultsText += "Main Result: " + mainResult + "\n";
resultsText += intermediate1 + "\n";
resultsText += intermediate2 + "\n";
resultsText += intermediate3 + "\n\n";
resultsText += "Key Assumptions:\n";
resultsText += assumption1 + "\n";
resultsText += assumption2 + "\n";
resultsText += assumption3 + "\n";
// Use a temporary textarea to copy text
var textArea = document.createElement("textarea");
textArea.value = resultsText;
textArea.style.position = "fixed"; // Avoid scrolling to bottom of page in MS Edge.
textArea.style.top = 0;
textArea.style.left = 0;
textArea.style.width = '2em';
textArea.style.height = '2em';
textArea.style.padding = '0';
textArea.style.border = 'none';
textArea.style.outline = 'none';
textArea.style.boxShadow = 'none';
document.body.appendChild(textArea);
textArea.focus();
textArea.select();
try {
var successful = document.execCommand('copy');
var msg = successful ? 'successful' : 'unsuccessful';
console.log('Copying text command was ' + msg);
alert('Results copied to clipboard!');
} catch (err) {
console.log('Unable to copy text.', err);
alert('Failed to copy results. Please copy manually.');
}
document.body.removeChild(textArea);
}
// — Charting Logic —
var chartCanvas;
var chartCtx;
var myChart = null;
function updateChart(yearsOfService, high3Average, ageAtRetirement, socialSecurityBenefit, currentSupplement) {
chartCanvas = document.getElementById('resultsChart');
chartCtx = chartCanvas.getContext('2d');
if (myChart) {
myChart.destroy(); // Destroy previous chart instance
}
// Generate data for chart: Show how supplement changes with years of service
var labels = [];
var supplementData = [];
var basicAnnuityData = []; // For comparison
var startYears = Math.max(0, yearsOfService – 10); // Show 10 years prior
var endYears = yearsOfService + 5; // Show 5 years after current
for (var i = startYears; i = 20) { // Minimum service for supplement
tempBasicAnnuity = i * 0.01 * high3Average;
var estimatedSupplementBaseForChart = (i / 41.67) * high3Average * 1.0; // Assuming retirement at 62 for simplicity in chart trend
tempSupplement = Math.max(0, estimatedSupplementBaseForChart – socialSecurityBenefit);
tempSupplement = Math.min(tempSupplement, tempBasicAnnuity); // Cap at basic annuity
tempSupplement = Math.max(0, tempSupplement); // Ensure non-negative
}
supplementData.push(tempSupplement);
basicAnnuityData.push(tempBasicAnnuity);
}
myChart = new Chart(chartCtx, {
type: 'line',
data: {
labels: labels,
datasets: [{
label: 'Estimated FERS Annuity Supplement',
data: supplementData,
borderColor: 'var(–primary-color)',
backgroundColor: 'rgba(0, 74, 153, 0.1)',
fill: true,
tension: 0.1
},
{
label: 'Estimated Basic FERS Annuity',
data: basicAnnuityData,
borderColor: 'var(–success-color)',
backgroundColor: 'rgba(40, 167, 69, 0.1)',
fill: true,
tension: 0.1
}]
},
options: {
responsive: true,
maintainAspectRatio: false,
scales: {
y: {
beginAtZero: true,
title: {
display: true,
text: 'Annual Benefit ($)'
}
},
x: {
title: {
display: true,
text: 'Years of Service'
}
}
},
plugins: {
title: {
display: true,
text: 'FERS Annuity Supplement vs. Years of Service'
},
tooltip: {
callbacks: {
label: function(context) {
var label = context.dataset.label || ";
if (label) {
label += ': ';
}
if (context.parsed.y !== null) {
label += new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' }).format(context.parsed.y);
}
return label;
}
}
}
}
}
});
}
// Initial calculation on load
document.addEventListener('DOMContentLoaded', function() {
// Add canvas element for the chart
var chartContainer = document.createElement('div');
chartContainer.innerHTML = 'Chart shows estimated supplement and basic annuity based on varying years of service, holding other inputs constant.';
document.querySelector('.calculator-section .container').appendChild(chartContainer);
calculateFersSupplement(); // Perform initial calculation
});