What Is The FERS MRA?

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What is the MRA? The minimum retirement age (MRA) is the earliest age at which most Federal employees may retire.

Why Is It Important?

Your MRA will determine when you’re eligible for different types of FERS retirement options. For example, your MRA will determine whether you are eligible for the MRA+ 10 retirement option. You can read more about the MRA+ 10 retirement option here.

Finding Your MRA

MRAs range between ages 55 and 57 and are based on your birth year.
You can find your MRA by checking the table below:

After You Find Your MRA

Once you know your MRA, your next step should be to understand the FERS retirement rules. For instance, reaching your MRA alone is not enough to be eligible for retirement, as FERS retirement eligibility is based on a combination of age and years of service requirements. Because some retirement options involve your MRA, you must know your MRA. Yet, other retirement rules are centered around specific ages like ages 60 and 62. If you need help integrating your Federal employee benefits into your financial plan, consult with a qualified financial planner.

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2023 Legislative Change Notice

The SECURE ACT 2.0 passed and impacted many of the articles on this website. While the articles were correct when written, it’s impossible to re-write every article. Please consult a qualified professional (i.e., CFP®, CPA, or attorney) before implementing any strategy.

Published by Jose Armenta, MsBA, CFP®, ChFC®, EA

Jose Armenta is a CERTIFIED FINANCIAL PLANNER™ professional who specializes in helping federal employees get the most out of their federal benefits. Jose’s experience serving federal employees has provided him with valuable insight into federal employees' unique financial planning needs.

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