To get in the ballpark: Determine your high 3 year average income. Include base pay and locality pay but no bonuses or overtime. Multiply by (2%*the years of service - 3.75%). For 30 years this will be 56.25% of your annual pay. If you have a living spouse or former spouse, multiply by about 90%. (The number is something like 100% of the previous number minus $90 minus 10% of the amount of your high 3 year average above $3600). That pays for a survivor annuity to your spouse after you die. If you are under 55 years of age, you subtract another 2% per year under age 55.Of course, you still have FEHB (medical insurance) to pay for (the same amount as if you were still working) and FEGLI (life insurance) and income tax withholding. Also, the checks are monthly.I hope that this helps. JWR
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