Retire When?
Your earliest retirement date depends on your age, your years of service and your Minimum Retirement Age (MRA).
Last updated November 12, 2026
Immediate, unreduced retirement
- MRA with 30 years of service
- Age 60 with 20 years
- Age 62 with 5 years
MRA+10 (reduced)
At your MRA with 10 to 29 years of service you can retire, but your annuity is reduced by 5% for each year you are under 62 (5/12 of 1% per month), unless you postpone the start of your annuity. Compare postponing before you choose MRA+10.
Your MRA by birth year
| Born | MRA |
|---|---|
| Before 1948 | 55 |
| 1948 to 1952 | 55 + 2 months per year after 1947 |
| 1953 to 1964 | 56 |
| 1965 to 1969 | 56 + 2 months per year after 1964 |
| 1970 and after | 57 |
Common mistake: sick leave
Unused sick leave adds to the service used to compute your annuity, but it does not count toward eligibility.
Special provisions apply to law enforcement officers, firefighters and air traffic controllers.