Federal Pay & Taxes

GS pay tables, locality adjustments, and tax planning tools for federal employees and retirees.

GS grades

Locality areas

States with no income tax

States exempt pension

Calculators & Tools

GS Pay Tables 2026

Look up your GS salary by grade, step, and locality. Includes LEO pay scales and LEAP adjustment.

All 58 locality pay areas
GS and LEO (SCE) tables
WGI schedule reference

Look up your pay →

Retirement Tax Calculator

Estimate federal and state taxes on your retirement income. See your take-home after taxes.

FERS pension taxation
TSP withdrawal taxes
Social Security taxes

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Retirement Tax by State

Compare state tax treatment of retirement income. Find tax-friendly states for federal retirees.

All 50 states compared
Pension exemption details
Social Security taxation

Compare states →

Federal Retirement Calculator

Calculate the complete value of your FERS retirement package including pension, TSP, and benefits.

Calculate package →

Key Topics

GS Pay Structure

Grades: GS-1 through GS-15
Steps: 10 steps per grade (WGI)
Locality: 17-35%+ above base pay

FERS Pension Taxes

Federal: Fully taxable as income
State: Varies by state (many exempt)
Recovery: Partial cost basis recovery

TSP Taxation

Traditional: Taxed as ordinary income
Roth: Tax-free qualified withdrawals
RMDs: Required at age 73

Tax-Friendly States for Retirees

No State Income Tax

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming

Full Pension Exemption

Alabama, Hawaii, Illinois, Kansas, Louisiana, Massachusetts, Michigan, Mississippi, New York, Pennsylvania, and others exempt federal pensions

View complete state-by-state comparison →

Key Terms

GS Pay ScaleGeneral Schedule pay system for federal employees Locality PayGeographic pay adjustment above base GS salary WGIWithin-Grade Increase (step increase)High-3 AverageHighest 3 consecutive years of salary for pension