# ClearToRetire — user reviews

> 3 indexed App Store user reviews of ClearToRetire by Raul Heredia, rated 4.80/5 from 5 ratings.

- Source: https://appshunter.io/ios/app/cleartoretire/id6760211356/reviews
- App overview in markdown: https://appshunter.io/ios/app/cleartoretire/id6760211356.md

## Most critical reviews (3 lowest-rated)

### 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 — Really great

*2026-05-06*

Handy projections.  It would be great if deferred and delayed retirements could be included in another version.

### 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

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*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.*