# ClearToRetire > Federal employee retirement income and eligibility calculator. (iPhone/iPad app by Raul Heredia.) - Source: https://appshunter.io/ios/app/cleartoretire/id6760211356 (this page in markdown: same URL + `.md`) - Developer: [Raul Heredia](https://appshunter.io/developer/1822586656) - Category: Finance, Utilities - Price: $2.99 - Rating: 4.80/5 from 5 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 26.0 · 5 MB - Languages: English - Released: 2026-03-24 - Data updated: 2026-08-14 - Monetization: paid - User reviews in markdown: https://appshunter.io/ios/app/cleartoretire/id6760211356/reviews.md ## What is ClearToRetire? 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. ## Key features - FERS pension calculation - TSP projections - Social Security comparison - Take-home income analysis - Scenario comparison - Offline functionality ## Chart rankings - #118 in Top Paid · Finance (US App Store) ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/cleartoretire/id6760211356/reviews.md ### 5/5 — Really great *2026-05-06* Handy projections. It would be great if deferred and delayed retirements could be included in another version. ### 4/5 — Overall ok *2026-05-05* 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 Missing For 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 Clarity The 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-Adjusted The 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. ### 5/5 — Great retirement pay calculator *2026-05-05* The only thing it is missing that I would like to see added would be military retirement pension calculation, including High-3 and BRS ## Frequently asked questions about ClearToRetire ### What is ClearToRetire? ClearToRetire is a comprehensive FERS retirement calculator designed for federal employees. It helps you estimate your pension, TSP, Social Security, and net take-home pay. ### Does ClearToRetire support special provision categories? Yes, ClearToRetire supports special provision categories like ATC, LEO, FF, and CBPO with specific multipliers and formula options. ### Can ClearToRetire project my TSP balance? Yes, it provides Traditional and Roth TSP balance tracking with pre- and post-retirement growth rate assumptions, withdrawal timing control, and depletion age analysis. ### How does ClearToRetire handle Social Security? It allows you to compare claiming Social Security at ages 62, 67, and 70, providing cumulative lifetime benefit analysis and integrating with your chosen claiming age. ### What is the price of ClearToRetire? ClearToRetire is available for a one-time purchase of $2.99. ### Is ClearToRetire available on Android? Currently, ClearToRetire is supported on iPhone and iPad devices. ### How often is ClearToRetire updated? The app was last updated on June 4, 2026, with version 1.2, indicating active development and maintenance. ### Does ClearToRetire have ads? No, ClearToRetire is ad-free and does not contain advertisements. ## Version history (last 4 releases) ### 1.2 — 2026-06-04 A major update — deeper TSP modeling, retirement-type support, leave payouts, and PDF reports. TSP • Model your Traditional vs Roth split with three withdrawal strategies (Proportional, Traditional-First, Roth-First) plus a Custom Mix for bracket-bridging • IRS 10% early-withdrawal penalty now modeled — with Rule of 55 and Public Safety Officer exemptions, calculated to the exact 59½ date • Catch-up contribution limits built in (50+ and the SECURE 2.0 "super catch-up" for ages 60–63) • Required Minimum Distributions (RMD) at age 73/75 Retirement types • Choose Immediate, MRA+10 Postponed, or Deferred — eligibility, FEHB, the FERS Supplement, sick-leave credit, and your multiplier all adjust accordingly Leave at retirement • Your unused annual leave is modeled as a lump-sum cash payout; sick leave as added service credit • ATC: new NATCA sick-leave buy-back option — compare taking 40% cash vs. the lifetime annuity value Taxes & accuracy • New year-by-year tax breakdown showing federal, state, and penalty by year, with markers at SS start, Medicare, RMD, and penalty-end • VA disability COLA now follows the official SS/VA COLA automatically, with an override for custom rates • Public Safety Officer $3,000 healthcare tax exclusion PDF reports • Export full, timeline, and comparison PDF reports — now including TSP strategy comparison and eligibility/tax-rule pages Plus full Android feature parity and accuracy refinements throughout. ### 1.1.1 — 2026-04-14 Bug Fix: FERS Annuity Supplement now correctly uses only civilian FERS service years, excluding military buyback time, per OPM guidelines. ### 1.1 — 2026-03-26 What's New in v1.1 VA Disability Income — New dedicated input for VA disability compensation. Tax-free, with annual COLA. Includes 2025 VA rate reference. All income sources now visible — Timeline and Compare views show every income stream: Pension, Supplement, Social Security, TSP, Investments, Other Income, and VA Disability. No more hidden numbers. Smarter display — Income sources that don't apply to you are automatically hidden. No more empty rows for Supplement if you're not eligible, or TSP if your balance is zero. Military buyback visibility — Compare view now breaks down FERS service, military buyback years, total service, and pension multiplier so you can see exactly how buyback impacts your pension. Fixed ATC formula at 62 — ATC controllers retiring at 62 with 30+ years now correctly get the MRA+30 formula (1.7% for all controller years) when it produces a higher pension. Retirement year slider syncs everywhere — Changing your retirement year on the Dashboard now updates Timeline and Compare to match. Data saves reliably — All inputs now save immediately when you tap Done. No more lost changes. Removed duplicate filing status — Filing status now appears only in Tax & Assumptions, not in Profile. ### 1.0 — 2026-03-24 No release notes. ## More apps by Raul Heredia - [PlanToSim](https://appshunter.io/ios/app/plantosim/id6747721405) All apps by Raul Heredia: https://appshunter.io/developer/1822586656 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-14.*