Federal Civil Service Senior Bonus Calculator
For CSRS and FERS annuitants.
The short answer: At the numbers below, the deduction is $5,940, worth $1,307 at 22% ($50 per paycheck).
Must be 65+ to qualify
Modified Adjusted Gross Income
Senior Bonus Deduction
$5,940
⚠ Reduced from $6,000 due to income phase-out
⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.
Annuity Levels Are Friendly
Most single CSRS annuitants land $50–80k MAGI — full deduction territory.
- • Full $6,000 at 65+
- • FERS retirees adding Social Security: still usually safe
- • Large TSP withdrawals could approach the phase-out
Worked Example
Single CSRS annuitant, $76,000 MAGI.
- • Deduction $5,940; savings $1,307 at 22%
Keep Reading
Frequently Asked Questions
Do federal retirees get the OBBBA senior deduction?
Yes at 65+; annuity income rarely reaches the phase-out unless TSP withdrawals stack high.
CSRS with no Social Security — same rule?
Yes — the bonus depends only on age and MAGI.