Where these rules come from

Federal Retirement Calculator implements published federal benefit rules. Every one is cited back to the agency that publishes it, with the full URL shown so you can check it without installing anything.

THIS APP DOES NOT REPRESENT A GOVERNMENT ENTITY. It is an independent educational tool and is not affiliated with, endorsed by, or connected to any government agency.

U.S. Office of Personnel Management (opm.gov)

FERS retirement — overview of the whole systemhttps://www.opm.gov/retirement-center/fers-information/
How the pension is computed — high-3 and the 1% / 1.1% multiplierhttps://www.opm.gov/retirement-center/fers-information/computation/
Retirement eligibility and the Minimum Retirement Agehttps://www.opm.gov/retirement-center/fers-information/eligibility/
Types of retirement, including MRA+10 and its reductionhttps://www.opm.gov/retirement-center/fers-information/types-of-retirement/
Creditable service — unused sick leave, military service, part-timehttps://www.opm.gov/retirement-center/fers-information/creditable-service/
The FERS retiree annuity supplement (CSRS/FERS Handbook, Chapter 51)https://www.opm.gov/retirement-center/publications-forms/csrsfers-handbook/c051.pdf
Cost-of-living adjustments and the reduced FERS COLA formulahttps://www.opm.gov/support/retirement/faq/cost-of-living-adjustments/
Survivor benefits and the survivor annuity electionhttps://www.opm.gov/retirement-center/survivor-benefits/
FEHB health coverage for annuitants and survivorshttps://www.opm.gov/healthcare-insurance/healthcare/reference-materials/reference/annuitants/
FEHB premium rates, published each yearhttps://www.opm.gov/healthcare-insurance/healthcare/plan-information/premiums/
FEGLI premiums for annuitants, by age band and post-65 electionhttps://www.opm.gov/healthcare-insurance/life-insurance/program-information/
General Schedule pay tables and locality rateshttps://www.opm.gov/policy-data-oversight/pay-leave/salaries-wages/

Thrift Savings Plan (tsp.gov)

The Thrift Savings Plan — official sitehttps://www.tsp.gov/
Contribution limits, agency matching, and catch-up contributionshttps://www.tsp.gov/making-contributions/contribution-limits/

Social Security Administration (ssa.gov)

Full retirement age and the reduction for claiming earlyhttps://www.ssa.gov/benefits/retirement/planner/agereduction.html
Delayed retirement credits for claiming after full retirement agehttps://www.ssa.gov/benefits/retirement/planner/delayret.html
Benefit amounts at every claiming age from 62 to 70https://www.ssa.gov/OACT/quickcalc/early_late.html
The earnings test — working while receiving benefitshttps://www.ssa.gov/benefits/retirement/planner/whileworking.html
Income taxes on your Social Security benefithttps://www.ssa.gov/benefits/retirement/planner/taxes.html

Internal Revenue Service (irs.gov)

Required minimum distributions from age 73https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds
Publication 590-B — the life expectancy tables used for RMDshttps://www.irs.gov/publications/p590b
Publication 915 — how much of a Social Security benefit is taxablehttps://www.irs.gov/publications/p915

Every URL here was checked against the live site. If one stops working, tell us and it will be replaced rather than dropped.