Retirement formula


Q: I am 54 with 21 years of combined military and federal service. I fall under the CSRS plan. The highest paygrade I have had is GS-7. How do I figure out my pay for retirement, what is the formula? I would like to get a general idea of how much my pay would be at this point and time if I could retire.

A: For CSRS employees, the formula is:

0.015 x your high-3 x 5 years of service, plus

0.0175 x your high-3 x 5 years of service, plus

0.02 x your high-3 x all remaining years and full months of service

You can either get out a pencil and paper and do the arithmetic or go to and use the handy software you’ll find there.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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