Federal Employee Take-Home Pay Calculator
Estimate a federal civilian paycheck with FERS or CSRS, TSP, FEHB, FEGLI, FICA, and entered tax withholding.
Last updated: August 2026
Example planning values — replace tax and benefit amounts with your pay statement or enrollment information. Income-tax withholding is user-entered; this tool does not calculate official federal, state, or local withholding.
Other deductions
Estimated take-home pay
—Sources and scope
FICA: Social Security Administration, 2026 Contribution and Benefit Base; IRS payroll withholding rules; verified 2026-08-03. TSP annual employee limit reference: 24,500 (enter a different applicable catch-up limit if needed). FEGLI Basic: annual basic pay rounded up to the next $1,000, plus $2,000; $0.15 per $1,000 biweekly.
How this estimate works
Basic pay is divided into 26 regular biweekly paychecks. Traditional TSP and optional FEHB Premium Conversion reduce the displayed federal-tax planning base, while FICA remains based on the configured FICA wages. Agency TSP money is an employer benefit, not take-home pay.
Important: This calculator estimates a regular federal civilian paycheck using entered tax withholding and benefit information. It does not calculate official federal, state, or local income-tax withholding.