ClearToRetire
理財
HK$ 22.00 · 專為 iPad 設計。尚未針對 macOS 驗證。
ClearToRetire is a comprehensive FERS retirement calculator built for federal employees. Whether you're a regular FERS employee or in a special provision category (ATC, LEO, FF, CBPO), ClearToRetire gives you a complete picture of your retirement income — pension, TSP, Social Security, and net take-home pay.
FERS PENSION CALCULATOR
• Full pension calculation using the FERS formula with your High-3 average salary
• Automatic High-3 projection based on current salary and expected raises
• Special provision support with 1.7% multiplier for ATC, LEO, FF, and CBPO
• SPLIT and MRA+30 formula options for special provision employees
• Sick leave credit, military buyback years, and non-covered service adjustments
• COLA projections (immediate or deferred to 62 based on eligibility)
• Age reduction calculations for early retirement
RETIREMENT ELIGIBILITY
• Automatic retirement path determination (Immediate, Early, MRA+10, Deferred)
• Special provision eligibility (age 50 with 20 years, any age with 25 years)
• Shows all qualified paths with recommended formula for highest pension
• FERS Supplement calculation for employees retiring before 62
TSP PROJECTIONS
• Traditional and Roth TSP balance tracking
• Pre- and post-retirement growth rate assumptions
• Withdrawal timing control — start at retirement or delay for additional growth
• Depletion age analysis so you know when funds run out
• Year-by-year balance projections through life expectancy
SOCIAL SECURITY
• Compare claiming at ages 62, 67, and 70
• Cumulative lifetime benefit analysis
• Automatic integration with your chosen claiming age
TAKE-HOME INCOME
• Net monthly and annual income after all deductions
• Federal tax calculation using current brackets
• State-specific tax rules — pension exemptions, SS taxation, no-income-tax states
• FEHB premium projections with annual growth
• Medicare Part B, Part D, and Medigap costs
• Survivor benefit cost analysis (full, partial, or none)
SCENARIO COMPARISON
• Compare two retirement years side-by-side
• See differences in pension, TSP, SS, net income, and estate value
• What-if slider on the Dashboard for instant year adjustments
TIMELINE VIEW
• Year-by-year breakdown from retirement through life expectancy
• Income transition highlights (retirement, supplement ends, SS begins, Medicare, TSP depletion)
ADDITIONAL FEATURES
• Non-TSP investment accounts with tax treatment and withdrawal planning
• Other income sources (rental, part-time, military pension, etc.)
• Income target tracking — set a monthly goal and see when you'll reach it
• Funds for beneficiaries projection (TSP + investments at life expectancy)
• Complete offline — no internet connection required
• All data stays on your device — nothing is collected or transmitted
ClearToRetire is for informational purposes only and is not financial, tax, or legal advice. Always verify estimates with your HR office, OPM, SSA, and a qualified financial advisor.
評分與評論
- 此App未收到足夠的評分或評論以顯示概況。
Bug Fix: FERS Annuity Supplement now correctly uses only civilian FERS service years, excluding military buyback time, per OPM guidelines.
開發者Raul Heredia表明App的私隱慣例或包括下列資料的處理。詳情請參閲 開發者的私隱政策 。
不收集資料
開發者不會從此 App 收集任何資料。
輔助使用
開發者尚未表示此 App 支援哪些輔助使用功能。 進一步了解
資料
- 供應商
- Raul Heredia
- 大小
- 4.7 MB
- 類別
- 理財
- 相容性
須使用 iOS 26.0 或以上版本。
- iPhone
須使用 iOS 26.0 或以上版本。 - iPad
須使用 iPadOS 26.0 或以上版本。 - Mac
須使用 macOS 26.0 或以上版本及配備 Apple M1 或以上版本晶片的 Mac。 - Apple Vision
須使用 visionOS 26.0 或以上版本。
- iPhone
- 語言
- 英文
- 年齡分級
4+
- 4+
- 版權
- © 2026 Raul Heredia
