ClearToRetire
금융
￦4,400 · iPad용으로 디자인됨 · macOS용으로는 확인되지 않음
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.
평가 및 리뷰
- 이 앱은 개요를 표시할 만큼 충분한 리뷰 또는 평가를 받지 않았습니다.
Bug Fix: FERS Annuity Supplement now correctly uses only civilian FERS service years, excluding military buyback time, per OPM guidelines.
Raul Heredia 개발자가 아래 설명된 데이터 처리 방식이 앱의 개인정보 처리방침에 포함되어 있을 수 있다고 표시했습니다. 자세한 내용은 개발자의 개인정보 처리방침 을 참조하십시오.
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정보
- 제공자
- Raul Heredia
- 크기
- 4.7 MB
- 카테고리
- 금융
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iOS 26.0 이상 필요
- iPhone
iOS 26.0 이상 필요 - iPad
iPadOS 26.0 이상 필요 - Mac
macOS 26.0 이상 및 Apple M1 칩 이상이 탑재된 Mac이 필요 - Apple Vision
visionOS 26.0 이상 필요
- iPhone
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- © 2026 Raul Heredia
