MyPostalPay was built by postal employees for postal employees.
The tools and content here are built and maintained by current USPS employees with first-hand experience of how postal pay, leave, and retirement actually work on the ground — not generalized federal-employee advice adapted after the fact. Every calculation, every scenario, every guide is shaped by what we wished we’d known when we started our careers.
We created these free tools because we got tired of hunting through spreadsheets, union PDFs, and LiteBlue pages every time we wanted to know what our actual take-home pay would look like, when our next payday was, or how a different TSP contribution would affect our retirement.
So we built what we wished existed: a clean, fast set of calculators that actually understand how USPS pay works — from FERS deductions and carrier technician premiums to penalty overtime and holiday worked pay. Everything is built from real USPS rules, contracts, and pay scales.
What We Offer
USPS News & Analysis — We cover every major USPS story that affects postal employees — FERS suspensions, stamp price changes, contract negotiations, layoffs, Amazon deals — through the lens of what it means for your paycheck, pension, and job. Fast, employee-focused reporting without the corporate spin.
Mutual Exchange Finder — A public, searchable matching board where postal employees can post and find possible mutual exchanges by craft, status, current state, and desired destination. It is an informal directory, not an official USPS transfer process.
Take-Home Pay Calculator — Covers every craft: clerks (PS-04 through PS-11), PSEs, city carriers (Table 1 & 2), CCAs, mail handlers (Table 1 & 2), MHAs, rural carriers, RCAs, and EAS. Includes all premium pay types: overtime, penalty overtime, night differential, Sunday premium, and holiday worked pay. Carrier technician 2.1% premium toggle for T-6 carriers.
Career Timeline Mapper — Places future step increases, retirement eligibility gates, estimated FERS annuities, and TSP milestones on one timeline using the dates and assumptions you enter.
Pay Period Calendar — All 27 paydays in calendar year 2026, plus the official 26-pay-period leave-year boundary, dates, holidays, and a live current-period indicator.
FERS Retirement Calculator — All four retirement paths calculated with your birth-year MRA and actual numbers: MRA+30, Age 60+20, Age 62+20, and MRA+10. Includes survivor options and a side-by-side comparison.
Leave Accrual Tracker — Projects your year-end balance based on your service category and current usage. Accounts for the 520-hour bargaining unit carryover cap (MOU) and 640-hour EAS cap. Alerts you if you’re at risk of use-or-lose.
TSP Dashboard — Fund comparison, allocation modeler, growth projector, contribution optimizer, and 2026 annual-limit tracker.
Social Security Estimator — Projects your Social Security benefit at age 62, Full Retirement Age, and age 70 based on your earnings history and work years — so you can see how it stacks alongside your FERS annuity and TSP draw.
How We Verify What We Publish
Postal employees make real decisions with pay and retirement information, so we use a documented source hierarchy and do not fill missing rates from memory. Pay figures come from official USPS or national-union documents; proposals are labeled as proposals; and material corrections are disclosed when an earlier conclusion changes. Read our full editorial standards, source rules, calculator methodology, and corrections policy.
Our Commitment
MyPostalPay is free to use, requires no login, and stores your calculator inputs and saved profiles locally in your browser — those never leave your device. Previously cached calculator pages may remain available offline, but news, subscriptions, and mutual exchanges require a connection. See our privacy policy for details.
Visitors who find the site useful may choose to provide optional support toward hosting and continued improvements. Support is never required, does not unlock features, and is not tax-deductible.
We update pay scales with every COLA and GWI, and we publish guides, news, and analysis on our blog to help you make informed financial decisions.
Not Affiliated with USPS
MyPostalPay is an independent project. We are not affiliated with the United States Postal Service, the Office of Personnel Management, APWU, NALC, NPMHU, NRLCA, or any other postal union or government agency. All calculations are estimates for planning purposes and should be verified with your official earnings statement or payroll office.
Have a question or suggestion? Get in touch.