Scenario B increases your estimated take-home pay by approximately $0.00 per pay period.
Item
Scenario A
Scenario B
Base Pay (annual)
$43,106.00
$43,106.00
Locality-Adj Pay
$50,460.00
$50,460.00
Gross/PP
$1,940.77
$1,940.77
Total Deductions/PP
$466.54
$466.54
Net Pay/PP
$1,474.23
$1,474.23
FEHB (Health)
$0.00
$0.00
Dental + Vision
$0.00
$0.00
FEGLI
$8.48
$8.48
FERS Deduction
$85.39
$85.39
TSP Deduction
$97.04
$97.04
Federal Tax
$127.15
$127.15
State Tax
$0.00
$0.00
SS + Medicare
$148.47
$148.47
Scenario A
Pay Scale & Grade
Locality Pay Area
Rest of U.S.+17.06%
FEGLI Life Insurance
Basic Coverage
$53,000 coverage · $8.48/pp
Option A – Standard
$10,000 · $0.20/pp (age 35)
Insurance
Retirement & Taxes
5%
Gov matches up to 5% (3% auto + 2% match). Traditional contributions are pre-tax. Your % applies to total gross pay including premium pay (overtime, holiday, night, Sunday diff).
Claim Exempt (W-4)
No federal income tax withheld ("99ing")
Differentials & Premium Pay
Select all that apply to your pay period
GS / GL (White-Collar): Premium pay follows 5 U.S.C. Chapter 55 / 5 CFR Part 550. Night pay is 10% of basic pay. Overtime is capped at GS-10/1 × 1.5. Sunday premium is 25% of basic pay.
Estimated only
Actual pay depends on agency policy, employee category, schedule type, premium pay caps (5 CFR § 550.105–106), and official payroll rules. Sunday and holiday premiums are subject to biweekly premium pay caps for certain positions. Consult your agency payroll office for exact figures.
Scenario B
Pay Scale & Grade
Locality Pay Area
Rest of U.S.+17.06%
FEGLI Life Insurance
Basic Coverage
$53,000 coverage · $8.48/pp
Option A – Standard
$10,000 · $0.20/pp (age 35)
Insurance
Retirement & Taxes
5%
Gov matches up to 5% (3% auto + 2% match). Traditional contributions are pre-tax. Your % applies to total gross pay including premium pay (overtime, holiday, night, Sunday diff).
Claim Exempt (W-4)
No federal income tax withheld ("99ing")
Differentials & Premium Pay
Select all that apply to your pay period
GS / GL (White-Collar): Premium pay follows 5 U.S.C. Chapter 55 / 5 CFR Part 550. Night pay is 10% of basic pay. Overtime is capped at GS-10/1 × 1.5. Sunday premium is 25% of basic pay.
Estimated only
Actual pay depends on agency policy, employee category, schedule type, premium pay caps (5 CFR § 550.105–106), and official payroll rules. Sunday and holiday premiums are subject to biweekly premium pay caps for certain positions. Consult your agency payroll office for exact figures.