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.
The only thing it is missing that I would like to see added would be military retirement pension calculation, including High-3 and BRS
Overall ok
fdsassf
I like the app overall—it’s very helpful for federal retirement planning—but I noticed a few areas that could make the projections more accurate and realistic for long-term users:1.TSP Catch-Up Contributions MissingFor users age 50+, TSP catch-up contributions can make a major difference in retirement projections. Right now, it appears the app only uses the standard annual contribution limit and doesn’t account for catch-up contributions, which may significantly underestimate future TSP balances.2.Roth vs Traditional TSP Tax Treatment Needs More ClarityThe app combines TSP balances/projections, but it’s not always clear how taxes are being handled between Roth TSP and Traditional TSP. Since Roth contributions may provide tax-free qualified withdrawals while Traditional TSP is generally taxable, clearer separation or after-tax income projections would make the retirement estimates much more useful.3.VA Disability Projection Appears Fixed Instead of Inflation-AdjustedThe current VA disability amount seems to be carried forward as today’s dollar value into retirement without showing future COLA adjustments or inflation assumptions. For example, if someone enters $3,737/month in 2025, that same amount should not simply be used 17 years later as-is. By retirement age, the actual benefit could be significantly higher due to annual cost-of-living adjustments. Including projected VA compensation growth would make the retirement income estimate more realistic.Overall, this is a strong app with a lot of potential, especially for federal employees under FERS. Adding these improvements would make it much more accurate for serious long-term retirement planning.
Really great
Kahala69
Handy projections. It would be great if deferred and delayed retirements could be included in another version.
Bug Fix: FERS Annuity Supplement now correctly uses only civilian FERS service years, excluding military buyback time, per OPM guidelines.
Version 1.1.1
The developer, Raul Heredia, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Raul Heredia
Size
4.7 MB
Category
Finance
Compatibility
Requires iOS 26.0 or later.
iPhone Requires iOS 26.0 or later.
iPad Requires iPadOS 26.0 or later.
Mac Requires macOS 26.0 or later and a Mac with Apple M1 chip or later.
