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 August 2026 · Source: OPM — FERS
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 full years of FERS civilian service divided by 40.
Two inputs matter more than people expect. First, only civilian FERS years count — military time, even bought back, is excluded from the supplement formula (it still raises the annuity itself). 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 · Last updated: August 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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