FERS+CSRS is a visual retirement estimator for US Federal Employees. Free Annuity estimates for both FERS and CSRS employees with an optional upgrade for additional features.

See your income over the next 50 years in a colorful, easy to understand graph. Play with different retirement dates to see how your income is affected. You may be surprised – one user discovered she could afford to retire two years earlier than expected.

FERS+CSRS is a valuable tool to help you plan your retirement.

• Enter your age & employment info
• Enter your salary
• Choose your retirement date

• We calculate your earliest possible retirement date
• The graph shows your income by year for the next 50 years
• Identify low-income years BEFORE they happen
• Supports Law Enforcement, Air Traffic Controllers, Firefighters

• Support for Voluntary Early Retirement (VERA)
• Support for Postponed and Phased Retirement
• Survivor Benefit estimate
• COLA (Cost of Living Adjustment) estimates
• Social Security estimates that automatically adjust depending on your start date
• TSP contribution, growth and withdrawal estimates
• FERS Annuity Supplement estimate
• Other income from other savings, rental income or your next career

We would love to hear your questions and feedback. Contact us through the link on the Resources screen.

FERS+CSRS is a valuable tool for do-it-yourself planning. We highly recommend you seek professional guidance and education. Estimates are no guarantee of retirement eligibility or income. FERS+CSRS is not affiliated with any government agency.

What’s New

Version 1.70

Refinements to calculations and help information

Ratings and Reviews

4.8 out of 5
538 Ratings

538 Ratings

Know Namme ,

Not Bad, But Missing Some Important Features

Just entered all pertinent data in the app and noticed a couple of areas that it won’t help with. This app provides a very good snapshot of income at a given time; however, it doesn’t provide a means to understand how long a certain income can be sustained. It would be great to see the other income sources (can be included in snapshot analysis via paid upgrade) reduced over time, even if just from simple growth and withdrawal algorithms. Also would be nice to see a few other improvements. List of possibilities include: years AND months for when a certain income starts, monthly income in addition to yearly income, and income shown per tax year vice age only. These should allow for a better planning tool vice a snapshot in time. BTW the app does a GREAT job of estimating FERS annuity income and that is appreciated.

Developer Response ,

Glad you find the application helpful. And thanks for the great suggestions. If you have other ideas, you can submit them through the Resources -> Feedback menu in the app. Your feedback is very helpful. Thanks again.

tegsr94 ,

Recommendation to Developer

The application works flawless and it is a great tool for planning your retirement as a federal employee. I would like to recommend one change however. I think you should modify the TSP calculation to allow a rate of return that can be modified during retirement. So, have one rate of return during employment and then a second option to adjust it during retirement. Many employees tend to invest more aggressively while employed and then may make more conservative moves in their tsp during retirement. For instance, it would be nice to forecast a 8% return while employed and then a hypothetical 3% during retirement years. It would provide a more accurate prediction at withdrawing from the TSP during retirement.

StudioStu ,


This is the only app out there that I've found that accurately gives you a snap shot of your retirement earnings growth (from several sources), SS start date and growth, annuity start date and growth, plus you can add a spouse SS start and growth, and puts it all into a great visual graphic. I purchased the upgrade which was a no brainer!! I love to play around with (run scenarios) of how my retirement date impacts my future nest egg. I'm trying to optimize so I can retire as early as possible and this app helps.

App Privacy

The developer, ISD Consulting, Inc, has not provided details about its privacy practices and handling of data to Apple. For more information, see the developer's privacy policy.

No Details Provided

The developer will be required to provide privacy details when they submit their next app update.


7.2 MB

Requires iOS 8.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
In-App Purchases
  1. FERS Plus Upgrade $5.99


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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