FCFedPayCalendarAbout & sources
Independent reference site — not affiliated with SSA, VA, or OPM. Every figure links to its official source.

FERS COLA calculator

FERS cost-of-living adjustments often differ from the full Social Security COLA when inflation is above 2%.

FERS COLA rules

  • FERS COLA is often less than full CPI when COLA exceeds 2%: if CPI is 2% or less, FERS gets the full amount; if CPI is 2%–3%, FERS typically gets 2%; if CPI is above 3%, FERS typically gets CPI minus 1 percentage point.
  • Special category FERS retirees (e.g., certain disability or CSRS Offset situations) may follow different COLA rules — verify with OPM.

OPM COLA for CSRS/FERS.

Estimate a COLA bump

verified 2026-07-30

Enter your monthly annuity and a COLA percentage (use the FERS percentage after applying the rules above — not necessarily the full CPI figure).

Monthly increase
$44.00
New monthly amount
$2,244.00
New annual
$26,928.00

Estimate only — actual COLA is announced by SSA (typically mid-October) and applies to Social Security, SSI, and VA rates the following December / January cycle.