FERS and CSRS pension estimator
Type four numbers and read your monthly pension. Works offline, with no account and no ads.
For iPhone and iPad. Independent app, not affiliated with OPM or any agency.
Benefits
Four numbers
Type your birth date, service start, retire date and High-3 average salary, then read the monthly pension.
Three retire dates
Compare three retire dates side by side and see the drop at 62.
Every line sourced
Every line links to its OPM source with the date it was checked.
See the drop at 62
The FERS annuity supplement is paid until 62. Compare three retire dates on one chart of monthly income by age and see what happens when it ends.
The table below the chart lists pension, supplement and income before and after 62 for each date.
Earliest dates you qualify
See the first day each retirement rule is met, from your birth date and service start.
- MRA plus 30
- MRA plus 10
- Age 60 with 20 years
- Age 62 with 5 years
Save scenarios, rename them and come back to them later. Everything stays on your device.
Sources you can check
Rules are checked against OPM publications. Each result line links to its source and shows the date it was checked.
The app shows its rules date, for example Rules as of October 12, 2026.
Free and Pro
The core estimate is free. Pro is one purchase, not a subscription.
| Feature | Free | Pro |
|---|---|---|
| Basic result | Included | Included |
| Earliest-date list | Included | Included |
| Saved estimates | 3 | Unlimited |
| Special groups: law enforcement, firefighter, air traffic | No | Included |
| FERS supplement and income timeline | No | Included |
| Survivor options | No | Included |
| Compare 3 dates | No | Included |
| PDF export | No | Included |
Estimate only
Highthree is an independent app. It is not affiliated with OPM or any agency. Results are estimates. Check your numbers with your agency HR office and OPM before you decide.
Questions? Read the answers on the Support page.