Disclaimer: This website is for entertainment purposes only. It is not official guidance in any way and could contain computational errors. Don't trust it! In fact I would discourage you from using it to make any decisions because there could be financial consequences. There are too many individual factors involved in making these calculations that can not be accounted for. Don't make life decisions based on this calculator which very clearly has a ridiculous meme background. Official guidance only comes from your agency HR department and opm.gov: