Special Retirement Supplement Calculator
Calculate your Special Retirement Supplement (SRS) for retiring before age 62.
Calculate Your Supplement
The Special Retirement Supplement bridges the gap between retirement and Social Security eligibility.
You must retire at Age 57+ with 30+ years OR Age 60+ with 20+ years of service.
Important: The supplement STOPS at age 62 when you become eligible for Social Security.
View Calculation Details
Duration: From retirement at age -- until age 62 (-- months)
Understanding the Special Retirement Supplement
The Special Retirement Supplement (SRS) is designed to bridge the income gap between FERS retirement and Social Security eligibility at age 62. It approximates what you would receive from Social Security if you were eligible immediately.
Key Facts:
- Formula: (Years of Service ÷ 40) × Your Social Security Benefit at Age 62
- Ends at 62: The supplement automatically stops when you turn 62 and become eligible for Social Security
- Earnings Test: If you earn over the annual earnings limit, your supplement may be reduced
- Base Service Only: Sick leave and military buyback time are NOT included in the years calculation
Example: If you retire with 30 years of service and your Social Security estimate at age 62 is $2,000/month, your supplement would be: (30 ÷ 40) × $2,000 = $1,500/month
Important: This is an estimate only. Your actual supplement may be affected by the Social Security earnings test, COLA adjustments, and other factors. Visit OPM.gov for official information.
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Disclosures: This calculator is for educational use only and is provided for informational purposes and should not be considered financial, investment, tax, or legal advice. Results are estimates based on stated assumptions and historical TSP data. Historical TSP fund returns are not indicative of future performance. Actual results may differ materially from projections. Projections are based on long-term historical averages of TSP funds since inception, reflecting published returns that account for fund expenses and operating costs. Catch-up contribution limits for ages 60-63 reflect current SECURE Act 2.0 provisions and are subject to legislative change. Consult a qualified tax professional regarding your specific situation. Commentary regarding diversification and concentration risk is general in nature. Investment allocation decisions should align with your personal goals, time horizon, and risk tolerance. For personalized retirement guidance, seek advice from a qualified financial professional familiar with federal benefits and current retirement legislation.