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See if your savings can survive the OPM wait

OPM interim pay is only part of your full annuity — and the wait can stretch for months. Find out where you stand in under a minute.

Built from a real 327-day OPM wait.

Your Numbers

Estimated monthly annuity

Your full pension amount once OPM finalizes.

$

Interim pay percentage: 70%

Most retirees receive 60–80% of their estimated annuity.

Monthly expenses

What you actually spend each month.

$

Savings you can use

Cash you could tap during the wait.

$

Expected wait (days)

Average waits run 90–180 days. Mine took 327.

Estimated interim pay

/mo

Monthly shortfall

/mo

Total gap

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Ready

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Needs Planning

🔴

High Risk

I survived a 327-day wait. My step-by-step guide shows you exactly how.