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Annuity Calculation-CSRS
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CSRS Annuity Calculations
The amount of the basic annuity payable upon your retirement under the Civil
Service Retirement System (CSRS) is directly related to:
- your length of creditable service and
- your highest 3 years' average salary.
Once the basic annuity is computed, based on length of service and your
earnings, it may be reduced:
- for any service for which you did not make retirement contributions ("deposit service")
- for service for which you have received a refund of retirement contributions
("redeposit
service") and have not paid the entire redeposit due or are eligible
for
- to provide survivor
benefits for your spouse or former spouse after your death
- because you are retiring before age 55
Below are the most frequent formulas (with
examples) of calculating a CSRS retirement annuity:
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CSRS COLA Proration Table
Updated: January 6, 2009
Many people who receive monthly annuity payments from the Civil Service Retirement System (CSRS) will receive a cost-of-living adjustment (COLA) effective December 1, 2008. They will receive . . . more
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High-3 Average Salary: What Is It and How Is It Calculated?
Edward A. Zurndorfer, CFP
All retiring federal employees will receive an annuity that is computed based on their length of federal service and their high-three average salaries. Learn what it is, and how it's calculated. Includes helpful examples. . . . more
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High-3 Average Salary
Your "high-3" average salary is determined by finding your highest average basic pay over any three year period. The three years must be consecutive. Generally, the final three years of servic . . . more
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CSRS Offset Basic Annuity Calculation
The basic annuity for a CSRS Offset employee is calculated in the same as that for a regular CSRS employee: 1.5% x High-3 x first five years of service plus 1.75% x High-3 x next f . . . more
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Recent Articles &
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Overview - CSRS
