CBO has estimated that automatic investment would be worth nearly $1 billion over 10 years to employees who otherwise would not have made personal contributions and would have lost out on matching government contributions. It also estimated that the average FERS retiree would gain about three months of service time for retirement crediting under the sick leave provision, which it said would be worth about $150 per year on average. Meanwhile, it said the Roth option would increase tax revenues by $3.3 billion over 10 years, since money going into a Roth account is after-tax money that comes out tax-free, in contrast to the current arrangement in which money goes in pre-tax and comes out taxable. However, $1 billion of that would be offset by increased personal contributions of pre-tax money due to the automatic investment provision, the estimate said.