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 $24,480, you lose $1 of your supplement — and it can be completely wiped out. Enter your numbers below to find your safe income limit.
For the rules and formula behind this estimate, read the FERS Special Retirement Supplement guide.
⚠️ 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 2026 limit of $24,480 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.