FERS+CSRS Retirement Estimator 4+

ISD Consulting, Inc

Designed for iPad

    • 4.7 • 1.2K Ratings
    • Free
    • Offers In-App Purchases



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 1.71

Updates to keep pace with the latest iOS versions

Ratings and Reviews

4.7 out of 5
1.2K Ratings

1.2K Ratings

fightingmink ,

A Time saver and Lifesaver

This has saved me from a very bad decision. I wanted to retire as soon as I was eligible. With this app, the graph showed me the highest potential earnings if I stayed a little longer. Along with maxing out to your specification, social security. There’s even one to include your spouse’s social security earnings if you want to include in the total retirement pay, along with other annuities such as rental or stocks.

The app shows the annuity you’ll receive, but it doesn’t account for life insurance or health care insurance to get a better picture. You may have to adjust your high 3 to compensate the discrepancy. Otherwise, this is one useful tool to decide when to retire and how to adjust your contributions to TSP, which should be the max with catch-up contributions.

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.

mikeyj32 ,

Great for projecting retirement but could use update

App is user friendly and simple and gives accurate representation of all facets to consider for retirement as federal employee. Only downside is you cannot scroll to the right to see more years. I am 28 years old and it only lets me see 50 years to 78. I plan to live past 78 so it would be nice if I could see to 95. This would allow me to see if the rate at which I say I will remove my 401k is good.

The 401k feature could also be updated to account for pre retirement interest rate and post retirement interest rate as these will be different and then if it just let you chose an age when you would want the account to be gone. Then is could calculate how much per a year you should take out and make it easier.

App Privacy

The developer, ISD Consulting, Inc, 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

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