OPM Retirement Tracker
Know where you stand in the OPM backlog.
Compare your retirement timeline against OPM public stats and opt-in retiree timelines. Understand whether you're likely stuck at agency, payroll, OPM intake, adjudication, or final payment — and what to do next.
Independently built. Not affiliated with OPM. No access to OPM internal systems.
- ✓Intake
- ✓Development
- Adjudication
- Review
- Finalized
This is the ladder OPM moves your case through. The tracker tells you which rung you’re on, how long that rung usually takes, and what “Adjudication” really means when the page won’t.
Historic compared to what?
“OPM is implementing AI to streamline processes and drive efficiency gains across Retirement Services.”
“Sir, this is 2026. I retired from the Navy back 1984 and the month after I received my first retirement deposit. Now I am retiring…”
The 42-year regression is the gap this tracker exists to close.
What you’ll see
Your whole case on one screen — the parts the portal hides.
- ✓Intake
- ✓Development
- Adjudication
- Review
- Finalized
Behind the portal · where your package actually is
- Pre-Retirement Prep
- Agency
- Payroll
- OPM intake
- Pre-adjudication
- Claims 1
- CSR assignment
- Adjudication
- RAS calc
- First full payment
The portal shows four stages. There are ten things actually happening to your file — this is the one you’re on.
Interim pay · what it means
54% of fullReceiving now (net)
$2,671/mo
Estimated full (net)
$4,946/mo
Interim pay is a fraction of your annuity while OPM finishes the math. Cases with a court order (COAP) often run lower — yours is in the typical COAP band. When OPM finalizes, the difference comes back as a retroactive catch-up.
- Case number
- CSA9██████3
- Agency
- FBI
- Retirement date
- Sep 30, 2025
- Submission
- Paper
- Payroll
- NFC
Case reference
COAP track
BuildingWhen there’s a court order, the former-spouse file is a parallel track — created only after your main claim is adjudicated. Expect a Notice of Annuity Adjustment 3–9 months after the main case finalizes.
Your cohort
FBI · 9/30 · paper · COAP
Among comparable cases, 58% have reached this phase by Week 23 — based on opt-in retiree timelines plus OPM aggregates. 9/30 cases are trending slower than 12/31.
Above is a composite case — a realistic federal retiree in limbo, not a real person’s file. When you start tracking, this is your case, with your dates and your cohort.
Start tracking your case.
The tracker launches summer 2026. Leave your email and we’ll tell you the moment it’s live — one email, nothing else.
The Limbo Kit · $19
At launchThe escalation playbook for when the wait won’t end.
Letter templates, the phone-tree decoded, the congressional-inquiry lane, the annuity-verification workbook, and the COAP two-track playbook — everything we’d hand a friend stuck at Week 23. It ships with the tracker at launch.
Notify me when the Kit is readyQuestions, answered straight
Before you start
What's OPM?
The U.S. Office of Personnel Management — the agency that processes your federal retirement after your agency and payroll office hand off your package. Until OPM finalizes your case, you’re paid an estimated “interim” amount. This tracker is about that wait.
Who is this for?
Federal retirees whose package is somewhere in the OPM pipeline — agency, payroll, intake, adjudication, or final payment — and who want to understand where they stand and what to do next. Especially useful if you’re past the months OPM quotes and the portal still just says “in process.”
How is cohort data calculated?
From two sources: OPM’s own published processing statistics, and opt-in timelines that retirees choose to contribute. We group by the things that actually change your wait — agency, retirement date, paper vs. electronic, court order — and only show a comparison when enough cases exist to mean something. When a cohort is too small, we show the OPM aggregates alone instead of a misleading number.
Do you have access to my OPM case?
No. We have no access to OPM systems, and we never will. Everything you see is built from what you enter plus public OPM data. We’re independently built and not affiliated with OPM.
What's the standard timeline?
OPM publishes its own guidance. The two canonical references are OPM’s Retirement Quick Guide and the CSRS and FERS Handbook, OPM’s canonical rulebook. The tracker shows your case against those published timelines.
Are FERS benefits being cut?
Despite the 2025 panic about RAS elimination, High-5 changes, and contribution-rate hikes — Jamison’s count of actual benefits changes that took effect in 2025: ZERO. The tracker doesn’t predict policy; it tracks where YOUR case stands today.
Why is OPM running long?
OPM’s official “Process at a Glance” (3–5 months) assumes a fully-staffed retirement operation. In 2025 OPM lost a meaningful share of its retirement-processing staff to Deferred Resignation Programs (DRPs) and VERAs. Audience-direct on Reddit r/FedEmployees, May 2026: “If OPM can develop and release a new AI tool, why can’t they process a retirement package under 6–9 months? Retirement should take less than 30 days.” Top reply: “Because OPM staff took the DRPs in large numbers.” This tracker reflects what’s actually happening to your case — not the published target timeline.