Free financial tools built for postal employees. Calculate your take-home pay (with union dues), project your FERS retirement annuity, model TSP growth, track leave accrual, and find any pay period in 2026. All calculations run in your browser — nothing is sent to a server. Looking for postal news instead? Visit our homepage or browse the latest coverage.
Take-Home Pay Calculator
Estimate your net pay per pay period based on grade, step, and deductions Updated April 2026
Pay rates reflect March 7, 2026 COLA. Verify against your latest earnings statement.
Deductions & Withholding
Premium Pay (Optional)
Pay Period Breakdown
Gross Pay
$0
Total Deductions
$0
Net Pay (est.)
$0
Hourly Rate
$0
Detailed Breakdown
Annual Summary (26 Pay Periods)
Annual Gross
$0
Annual Net (est.)
$0
Effective Tax Rate
0%
Understanding Your USPS Paycheck
Your take-home pay depends on pay schedule, grade/step, and deductions. Career employees contribute to FERS (0.8%–4.4%), Social Security (6.2% up to $176,100), and Medicare (1.45%).
Premium pay rates: Overtime is 1.5x base rate. Penalty overtime (V-time) is 2x base rate for hours over 10/day or 56/week. Night differential is +10% for hours between 6PM–6AM. Sunday premium is +25% for non-OT hours on Sunday. Holiday worked pay is your base rate on top of regular holiday pay (effectively double time). Carrier Technicians (T-6 strings) receive an additional 2.1% premium on all pay.
Union dues are a post-tax payroll deduction for most postal employees. The calculator auto-fills a default biweekly amount based on your craft — NALC city carriers $33.84, NPMHU mail handlers ~$31.00, NRLCA rural carriers ~$29.03, APWU clerks ~$25.00 (varies by grade). These are national-level defaults; your local branch may add additional dues on top. Override the default if you’re a non-member, in a state where you opted out, or if your local charges different dues. Non-career employees (CCAs, PSEs, MHAs, RCAs) default to $0.
Pay Period Calendar
USPS Pay Periods — 2026 (PP01–PP27) Updated April 2026
Last updated: April 2026. Verify figures against official sources.
Current Pay Period
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—
Next Payday
—
—
PP
Start
End
Pay Date
Holiday
Status
USPS Pay Period Calendar Guide
2026 is a 27 pay period year — one extra paycheck. Each period runs Saturday–Friday, paychecks the following Friday. The leave year (26 periods) starts PP03 on Jan 10, 2026.
FERS Retirement Calculator
Estimate your federal annuity under FERS Updated April 2026
Last updated: April 2026. Verify figures against official sources.
Projection
Annual
$0
Monthly
$0
Multiplier
1%
Retirement Eligibility Paths
Path
Age
Yrs Svc
Mult
Penalty
Annual
Monthly
FERS Retirement Paths for Postal Employees
There are four ways to retire under FERS: MRA + 30 years gives you a full, unreduced annuity at the 1.0% multiplier — this is the path most postal employees target. Age 60 + 20 years is also unreduced at 1.0%. Age 62 + 20 years gives the enhanced 1.1% multiplier. MRA + 10 years lets you leave early but applies a 5% penalty per year under 62. The MRA for employees born 1970 or later is 57.
Leave Accrual Calculator
Track annual and sick leave projections Updated April 2026
Last updated: April 2026. Verify figures against official sources.
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Year-End AL
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—
Year-End SL
—
No carryover limit
Remaining PPs
—
—
USPS Leave Accrual Rates
4 hrs/PP (under 3 yrs), 6 hrs/PP (3–14 yrs), 8 hrs/PP (15+ yrs). Sick: 4 hrs/PP always. Max carryover for leave year 2026: 520 hours (bargaining unit via MOU) or 640 hours (EAS, permanent).
TSP Dashboard
Fund comparison, growth projections, and contribution optimization Updated April 2026
Last updated: April 2026. Verify figures against official sources.
Fund Performance
TSP Fund Historical Returns (Annualized) Fund data as of Q1 2026
Fund
Description
10-Yr
5-Yr
1-Yr
Risk
Returns shown are approximate annualized averages as of late 2025. Past performance does not guarantee future results. Verify current fund returns at tsp.gov.
Allocation Modeler
Set your allocation (must total 100%) to calculate a weighted return.
Total: 100%Weighted Return: 0%
Growth Projector
Projected Balance
$0
Monthly Income (4% Rule)
$0
Total Contributed
$0
Growth
$0
Contribution Impact
See how changing your biweekly contribution affects your outcome.
Biweekly
Annual
Projected
Monthly
Δ
2026 Contribution Limit Tracker
Annual Limit
$23,500
Your Annual
$0
Room Left
$0
Growth Timeline
TSP Funds for Postal Employees
Five funds: G (govt securities), F (bonds), C (S&P 500), S (small/mid-cap), I (international). USPS matches up to 5%. 2026 limit: $23,500 ($31,000 with catch-up 50+).
Social Security Estimator
Estimate your Social Security benefit at different claiming ages Updated April 2026
Last updated: April 2026. Verify figures against official sources.
💡 Tip: Find your exact estimated benefit by logging into my Social Security at ssa.gov. Select “Enter estimated monthly benefit” above and use that number for the most accurate projection.
Social Security Benefit by Claiming Age
Age 62 (Early)
$0
Age 67 (Full)
$0
Age 70 (Max)
$0
Monthly amounts shown. Full Retirement Age (FRA) is 67 for those born 1960 or later.
Claiming Age Comparison
Claiming Age
Monthly
Annual
% of FRA
Break-Even vs 62
FERS Supplement Estimate
If you retire with an unreduced immediate annuity (MRA+30 or Age 60+20) before age 62, you may be eligible for the FERS Special Retirement Supplement. This approximates your Social Security benefit earned during postal service and bridges the gap until age 62. It is not available under MRA+10 (reduced) retirement or if you retire at 62 or later. The supplement ends at 62 regardless of when you claim SS, and does not receive COLAs.
Est. Monthly Supplement
$0
Months Until Age 62
0
Total Supplement Value
$0
The supplement is subject to an earnings test if you work after retirement. Earnings above the annual limit ($24,480 in 2026) reduce the supplement by $1 for every $2 earned. TSP withdrawals, investment income, and your FERS annuity do not count toward this limit.
Total Retirement Income Snapshot
Income Source
Monthly
Annual
Notes
Social Security & Postal Retirement
FERS postal employees are covered by Social Security, unlike older CSRS employees. Your retirement income comes from three sources: your FERS annuity (pension), your TSP savings (like a 401k), and Social Security. Claiming SS early at 62 permanently reduces your benefit by about 30%. Waiting until 70 increases it by 24% above your full retirement age amount. The FERS Special Retirement Supplement bridges the gap between early FERS retirement and age 62 when you can first claim Social Security.