See your pension if you retire now vs waiting 1, 3, or 5 more years — plus the break-even age and eligibility check for Rule of 80, Rule of 85, and FERS MRA+10.
Enter your current situation — see the cost of leaving early vs waiting.
If your age + years of service ≥ 80, you qualify for full, unreduced retirement in many state plans. Example: age 55 + 25 years = 80 → eligible.
Same concept, higher threshold. Common in Texas TRS and some other state plans. Age 57 + 28 years = 85 → eligible.
FERS employees at their Minimum Retirement Age (MRA, usually 57) with at least 10 years of service can retire — but the benefit is reduced 5% for each year under age 62. With 30 years at MRA, there is no reduction. With 25 years at 57, the reduction is 25%.