Retired Postal Worker Senior Bonus Calculator
For 65+ annuitants from USPS.
The short answer: At the numbers below, the deduction is $12,000 — $1,440 back at 12% ($55 per paycheck).
Must be 65+ to qualify
Modified Adjusted Gross Income
Senior Bonus Deduction
$12,000
✅ You qualify for the full deduction
⚠️ 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.
FERS Annuity + TSP + Social Security
The classic three-legged federal retirement lands most annuitants near $90k MFJ — still under the phase-out.
- • Full $6,000 each at 65+
- • TSP withdrawals add to MAGI
- • CSRS retirees (no Social Security) sit even lower
Worked Example
MFJ FERS annuitants, $94,000 MAGI.
- • Deduction $12,000; savings $1,440 at 12%
Keep Reading
Frequently Asked Questions
Do retired postal workers get the OBBBA senior deduction?
Yes at 65+ — FERS/CSRS annuity levels rarely reach the phase-out.
Do TSP withdrawals count?
Yes, traditional TSP withdrawals are MAGI; Roth TSP qualified withdrawals aren't.