Will Part-Time WorkKill Your FERS Supplement?
The FERS Special Retirement Supplement is subject to the Social Security earnings test. For every $2 you earn above $23,400, you lose $1 of your supplement — and it can be completely wiped out. Enter your numbers below to find your safe income limit.
⚠️ Counts Against You
- • W-2 wages (part-time job)
- • Self-employment net income
- • Consulting fees (1099)
- • Gig work / side business
✅ Does NOT Count
- • FERS pension payments
- • TSP / IRA withdrawals
- • Investment dividends / gains
- • Rental income
1Enter Your Numbers
Model This in Your Full Retirement Plan
The earnings test is just one variable. See how part-time work, TSP withdrawals, Social Security timing, and taxes all interact in your complete year-by-year projection.
No credit card required · Takes 3 minutes
Earnings limits adjust annually. The 2025 limit of $23,400 is used for current-year estimates. This calculator is for educational purposes only. Consult OPM, SSA, or a qualified retirement specialist before making decisions about part-time work in retirement.