Official GS pay inputs
All 15 grades, all 10 steps, the 2026 OPM base table, locality percentages, the $197,200 statutory cap, and the 2,087-hour divisor.
Federal GS Pay Calculator 2026
Select a GS grade, step, and OPM locality area to find your 2026 annual salary, hourly rate, estimated biweekly paycheck, FERS deduction, TSP contribution, payroll taxes, state tax, and take-home pay.
01 —INPUTS
Federal GS pay details
Locality adjustment: 33.94%
Contribute at least 5% to receive the full standard agency contribution.
02 —RESULTS
Annual GS Salary
$102,415Biweekly Take-Home
$2,503.98Monthly Take-Home
$5,425.30GS-12 Step 1 · Washington-Baltimore-Arlington, DC-MD-VA-WV-PA
$49.07/hour
$5,121 estimated agency TSP contribution; $107,536 salary plus agency TSP.
03 —BREAKDOWN
Annual pay and deduction breakdown
| Component | Annual | Biweekly |
|---|---|---|
| Gross GS pay | $102,415.00 | $3,939.04 |
| Traditional TSP contribution | -$5,120.75 | -$196.95 |
| FERS employee contribution | -$4,506.26 | -$173.32 |
| FEHB employee premium | -$3,000.00 | -$115.38 |
| Federal income tax | -$11,914.74 | -$458.26 |
| State income tax estimate | -$5,164.42 | -$198.63 |
| Social Security | -$6,163.73 | -$237.07 |
| Medicare | -$1,441.52 | -$55.44 |
| Estimated take-home pay | $65,103.58 | $2,503.98 |
State tax is an estimate and does not include city or county income tax. FEHB tax treatment can vary by enrollment and payroll election.
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2026 GS salary ranges
These OPM-derived examples compare Rest of U.S. and Washington-Baltimore-Arlington locality pay from Step 1 through Step 10. Open a grade page for all ten steps and more high-demand locality comparisons.
| Grade | Rest of U.S. | Washington, DC area |
|---|---|---|
| GS-5 | $40,736–$52,957 | $46,610–$60,593 |
| GS-7 | $50,460–$65,599 | $57,736–$75,059 |
| GS-9 | $61,722–$80,243 | $70,623–$91,815 |
| GS-11 | $74,678–$97,087 | $85,447–$111,087 |
| GS-12 | $89,508–$116,362 | $102,415–$133,142 |
| GS-13 | $106,437–$138,370 | $121,785–$158,322 |
| GS-14 | $125,776–$163,514 | $143,913–$187,093 |
| GS-15 | $147,945–$192,331 | $169,279–$197,200 |
GS-1 through GS-4 employees in the United States may be covered by OPM special rate table 001M when it produces a higher rate. Other occupations may also use special rate tables; confirm the pay table shown on the vacancy announcement or SF-50.
What the estimate includes
Federal employee deductions
Traditional TSP, standard agency matching, regular FERS/FERS-RAE/FERS-FRAE, FEHB employee premiums, federal income tax, state tax, Social Security, and Medicare.
Federal GS pay questions
How is 2026 GS salary calculated?
Start with the OPM base rate for the employee's grade and step, then apply the locality percentage for the duty station. A statutory cap applies to some high-grade, high-locality combinations.
How much do FERS employees contribute?
Most regular FERS employees contribute 0.8% of basic pay, most FERS-RAE employees contribute 3.1%, and most FERS-FRAE employees contribute 4.4%. Special employee groups can have different rates.
How does the TSP agency match work?
For a typical FERS employee, the agency contributes 1% automatically, matches the first 3% contributed dollar for dollar, and matches the next 2% at 50 cents per dollar. A 5% employee contribution normally captures the full 5% agency contribution.
Does this calculator include every federal pay rule?
No. It models the standard 2026 GS locality tables. Special salary rates, law-enforcement rates, overseas allowances, recruitment incentives, overtime, bonuses, city taxes, and individual payroll elections can change actual pay.
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