FERSWorth: Federal Retirement

FERS pension & annuity planner

Only for iPhone

Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.

iPhone

When can you retire, and what will FERS pay? Your MRA, annuity, survivor and FEHB deductions and the supplement until 62, with the OPM rule behind every number. FERSWorth estimates your federal retirement under FERS: when you can go, what your annuity will be, and what lands in your account each month. Every figure has an info button with the rule behind it and a link to the official source. Answer a few questions (birth date, service computation date, high-3 or salary, sick leave, military service, survivor choice) and see your estimate in about two minutes. Your answers stay on your iPhone. There is no account. YOUR ESTIMATE (FREE) - Your minimum retirement age (MRA) from your birth year, and the earliest date you can retire without a reduction - Which retirement you'd have, in plain English: MRA + 30, 60 + 20, 62 + 5, MRA + 10 (with the 5%-a-year reduction and the option to postpone it), early out (VERA), discontinued service (DSR) or deferred - Creditable service: civilian service with breaks, military service with the deposit paid, refunded and temporary service, and unused sick leave converted with OPM's 2,087-hour chart - High-3 entered directly, or projected from your salary and a raise rate - Basic annuity at 1% or 1.1%, with OPM's rounding - Survivor annuity: full, partial or none - FERS supplement until 62 from your Social Security estimate, including the earnings test if you keep working - FEHB premium and FEGLI Basic cost, plus your own tax withholding percentage, for an estimated monthly amount - What changes at 62: when the supplement stops and COLAs begin - Annual leave payout estimate - Already separated? Enter your last day and see your deferred or postponed annuity FERSWORTH PRO (one-time purchase, no subscription) - Compare retirement dates side by side: your plan, your MRA, 60, 62 or any date, with monthly amounts and lifetime totals to the age you pick - Year-by-year projection to 95 with FERS cost-of-living adjustments at the inflation rate you choose - Unlimited saved scenarios - PDF report to share or print, made on your iPhone - Insurable interest survivor option and FEGLI Options A, B and C - No ads EVERY NUMBER EXPLAINED Tap the info button on any figure to see the rule, your numbers run through it, and the source: 5 U.S.C. chapter 84, 5 CFR part 842, OPM's web pages and the CSRS/FERS Handbook. Where a rule is open to interpretation, FERSWorth uses the reading that gives the lower estimate and says so. The engine is tested against OPM's own worked examples. UP-TO-DATE YEARLY VALUES The latest COLA, Social Security's earnings-test limit and example FEHB premiums ship with the app and refresh automatically. Settings shows the date of each. NOT COVERED IN VERSION 1 Special category retirement (law enforcement, firefighters, air traffic controllers and others), disability retirement, CSRS and CSRS Offset, transfers from CSRS, part-time service, phased retirement, reemployed annuitants and court-ordered former spouse benefits. FERSWorth asks up front and shows a clear message instead of numbers that would be wrong. It doesn't compute taxes, military deposit amounts or TSP. Estimates only. FERSWorth is not affiliated with OPM or any government agency. Confirm with your agency's HR/benefits office or OPM before deciding. PRIVACY Everything you enter stays on your device. The free version shows a banner ad from Google AdMob; you choose whether to allow tracking. Pro removes ads.

Ratings & Reviews

  • This app hasn’t received enough ratings or reviews to display an overview.

The developer, Manuel Duarte, 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 Used to Track You

    The following data may be used to track you across apps and websites owned by other companies:

    • Location
    • Identifiers
    • Usage Data

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Location
    • Identifiers
    • Usage Data
    • Diagnostics

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
Manuel Duarte
Size
6.6 MB
Category
Finance
Compatibility
Requires iOS 18.0 or later.
  • iPhone
    Requires iOS 18.0 or later.
  • Mac
    Requires macOS 15.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 2.0 or later.
Languages
English
Age Rating
4+
In-App Purchases
Yes
Copyright
© 2026 Manuel Duarte
  • Developer Website
  • Privacy Policy

    • Supports

    • Family Sharing

      Some in-app purchases and subscriptions may be shareable with your family group when Family Sharing is enabled. Learn More

    More by Manuel Duarte