Annuity calculation for 40 years in CSRS


Q. I am a CSRS employee with 40 years in the government. What percent of my check will I get if I retire?

A. Assuming you have exactly 40 years of service, your annuity will equal 76.25 percent of your high-3. Each additional month of service will increase it by 1/6 of 1 percent. Further, if you have unused sick leave, every 174 hours will increase that amount by an additional 1/6 of 1 percent.


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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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