This FSPS Annuity & Supplement Estimator provides you a ballpark estimate of your Foreign Service pension and supplement based on what you plug in. Not quite ready for that immediate retirement cash? No worries—it’ll still give you a deferred estimate to mess around with. Heads up: this calc is in extreme beta mode, fresh off the press and untested. For the real numbers, hit up your HR crew to keep your retirement plans on point.
Important Note: To use this calculator, you will need to know your Social Security Administration estimate for starting your benefits at age 62.
If you do not have this information, please obtain it before proceeding.
Foreign Service Pension System — annuity and supplement estimate
Your estimated pre-tax monthly FSPS income
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Gross estimate before federal/state taxes & deductions
FSPS Annuity
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/mo · — /yr
FSPS Supplement
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/mo · — /yr
Social Security (age 62+)
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/mo · — /yr
FSPS Supplement — Ended at 62
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The FSPS Supplement stops at age 62 when Social Security eligibility begins. Your actual SS benefit may differ — check your SSA.gov statement.
Combined Annual (Annuity + Supplement)
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Calculation details
Eligibility — Immediate Annuity
Age 50 + 20 years of creditable service (voluntary)
Any age + 25 years of creditable service (voluntary)
MRA + 10 years(MRA is age 55–57 depending on birth year) — annuity is reduced; no Supplement
Age 62 + 5 years — immediate unreduced annuity; no Supplement
Annuity Formula
1.7% × High-3 × first 20 years of FSPS service
1.0% × High-3 × years beyond 20
Survivor election reduces annuity by 10% (50% survivor) or 5% (25% survivor)
Pre-1984 FSRDS component: if you have FSRDS time, that portion uses FSRDS rules — only that component may credit unused sick leave.
FSPS Supplement
Payable on an immediate, unreduced annuity and under age 62. Not paid for MRA+10, deferred, or disability retirements. Stops at 62 and is subject to the Social Security earnings test.
(Civilian FSPS/FERS Years ÷ 40) × Age-62 Social Security Estimate
Excludes sick leave and military buyback — civilian service only, capped at 40 years
Subject to the SS earnings test once you reach MRA; ends at age 62
Notes
Sick leave: generally not creditable under FSPS-only service. If you have an FSRDS component, limited sick leave credit may apply to that portion only.
Military buyback: counts toward eligibility and annuity once the deposit is paid; excluded from the Supplement.
Disclaimer:
This calculator is for informational, educational, and entertainment purposes only and provides a rough estimate of your FERS annuity and supplement. For precise calculations and personalized advice, consult your agency’s human resources office or a qualified financial advisor.
