How does the standard CSRS annuity formula work?

CSRS uses a three-part formula:

  • 1.5 percent of the high-3 average pay and multiply the result by five years of service; plus
  • 1.75 percent of the high-3 average pay multiplied by all years and full months (with months credited proportionately) of service over five and up to 10; plus
  • 2 percent of the high-3 average pay multiplied by all years and full months (with months credited proportionately) of service over 10 years.

Note: Days beyond the last full month are added to any days beyond the last full month of additional credit for unused sick leave, using the same conversion formula applying to unused sick leave. Any time beyond the last full month after that formula is followed is not counted in the benefit calculation.



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