Estimate your net pay per pay period based on grade, step, and deductions
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%
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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.
Pay Period Calendar
USPS Pay Periods — Leave Year 2026 (PP01–PP26)
Current Pay Period
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—
Next Payday
—
—
PP
Start
End
Pay Date
Holiday
Status
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USPS Pay Period Calendar Guide
USPS employees are paid biweekly (26 pay periods per leave year). Each runs Saturday–Friday, paychecks the following Friday.
FERS Retirement Calculator
Estimate your federal annuity under FERS
Projection
Annual
$0
Monthly
$0
Multiplier
1%
Retirement Eligibility Paths
Path
Age
Yrs Svc
Mult
Penalty
Annual
Monthly
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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
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Year-End AL
—
—
Year-End SL
—
No carryover limit
Remaining PPs
—
—
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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
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
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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+).
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