# FERS+CSRS Retirement Estimator

> US Federal Employee retirement income estimator with visual 50-year projections. (iPhone/iPad app by ISD CONSULTING INC.)

- Source: https://appshunter.io/ios/app/fers-plus-csrs-retirement-estimator/id1062625944 (this page in markdown: same URL + `.md`)
- Developer: [ISD CONSULTING INC](https://appshunter.io/developer/1062625943)
- Category: Finance
- Price: $9.99 with in-app purchases
- Rating: 4.68/5 from 1,364 App Store ratings · 110 written reviews indexed
- Age rating: 4+
- Requires: iOS 9.0 · 5 MB
- Languages: English
- Released: 2016-06-11
- Data updated: 2026-09-04
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/fers-plus-csrs-retirement-estimator/id1062625944/reviews.md

## What is FERS+CSRS Retirement Estimator?

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.

3 EASY STEPS
• Enter your age & employment info
• Enter your salary
• Choose your retirement date

POWERFUL TOOL
• 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

UPGRADE FOR A MORE ESTIMATES
• 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.

DISCLAIMER
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.

## Key features

- Visual retirement income graph
- Adjustable retirement dates
- Early retirement date calculation
- Identification of low-income years
- Support for special retirement categories
- Optional advanced planning features

## Pricing and in-app purchases

Base price: $9.99.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| FERS Plus Upgrade | $5.99 | one-time |


## Chart rankings

- #20 in Top Paid · Finance (US App Store)

## What do users think of FERS+CSRS Retirement Estimator?

Overall sentiment: positive

**Pros**

- 💻 Comprehensive retirement planning tool
- 📊 Helpful visualizations and graphs
- 🔢 Accurate FERS retirement calculations
- 🔍 Ability to explore different scenarios
- 🕰️ Tracks income streams before and after retirement

**Cons**

- 🔍 Limited customization options for unique retirement situations
- 🔢 Inaccurate calculations for some FERS retirees
- 🔢 Lack of projected TSP growth during retirement
- 🔒 Inconsistent experience between iOS and iPad versions

**Commonly reported bugs**

- Difficulty with initial login on some devices
- Inability to scroll beyond 50-year projection
- Inconsistent FERS Supplement calculations

**Most requested features**

- Add support for FSPS (Foreign Service Pension System) with 1.7x annuity factor
- Incorporate projected TSP growth rates during retirement
- Allow saving and comparing multiple retirement scenarios
- Add option to include spouse's income and retirement accounts
- Integrate tax calculations for a more comprehensive view

## Recent user reviews (10 of 110)

All indexed reviews: https://appshunter.io/ios/app/fers-plus-csrs-retirement-estimator/id1062625944/reviews.md

### 4/5 — Informative

*2026-08-05, version 1.71*

Informative and easy to use.  Wish it would allow you to input whether or not you plan to keep health coverage and estimate you federal tax withholdings so you could get a better picture of what your monthly pay would be.

### 2/5 — Not currently working on IOS

*2026-03-31, version 1.71*

Whenever I try to open now it just crashes and there are no updates available. Please update for Apple. Thank you

### 4/5 — Good estimate

*2026-02-20, version 1.71*

The app is worth the $5 to plug in your information to get a rough estimate on your income in retirement. I wish it had an option for monthly deduction such as fed & state tax.

### 4/5 — FErS&CSRS

*2026-01-30, version 1.71*

Works good but on IPAD it turns sideways so it’s hard to use if you use keyboard on iPad. Would like to see where you can add other incomes and also a setup for Spouse Social Security.

Thank for the app

### 5/5 — Simple & Powerful

*2026-01-25, version 1.71*

Excellent resource

### 4/5 — Great But Missing One Major Thing

*2025-11-27, version 1.71*

You need to include an option for those who retire under FERS-Special: Federal law enforcement, air traffic controllers, and others.  Their annuity calculation is different, and more lucrative, than regular FERS.

### 5/5 — Perfect

*2025-08-28, version 1.71*

It’s a perfect tool to see increases when my TSP is going up with the markets. I use this app about 3x a week to make adjustments.

### 4/5 — Special provision

*2025-06-15, version 1.71*

It’s a great planning tool.  I wish that it was possible to add a provision for federal employees like law enforcement,  air traffic and others subject to early retirement.

### 4/5 — Wish they had an app like this for non-federal employees

*2025-05-19, version 1.71*

I downloaded the app with the hope of using the calculations to be able to add military, but it didn’t work out.  I wish there was an app that includes military retirement calculations (active or reserve), VA disability, TSP, 401k and other income streams, such as rentals or an insurance annuity, or stock dividends, and savings.  Federal employee retirement calculations would be a plus of course.  It would be a powerful app!

### 5/5 — Great Planning Tool

*2025-05-18, version 1.71*

The app gives you the flexibility to adjust many variables.

## Frequently asked questions about FERS+CSRS Retirement Estimator

### What does the FERS+CSRS Retirement Estimator do?

This app provides visual retirement income estimates for US Federal Employees. It allows you to see your projected income over the next 50 years and experiment with different retirement dates to understand their financial impact. It helps in planning for potential low-income periods before they occur.

### What are the key features of the app?

Key features include a colorful, easy-to-understand graph of income over 50 years, the ability to play with different retirement dates, calculation of your earliest possible retirement date, and identification of low-income years. It also supports special retirement categories like Law Enforcement and Air Traffic Controllers.

### Is the app free to use?

The app offers free annuity estimates for both FERS and CSRS employees. However, there is an optional upgrade available for purchase that unlocks additional features for more comprehensive retirement planning.

### What kind of advanced features are available with the upgrade?

The optional upgrade includes support for Voluntary Early Retirement (VERA), Postponed and Phased Retirement, Survivor Benefit estimates, COLA estimates, Social Security estimates, TSP contribution and withdrawal estimates, FERS Annuity Supplement estimates, and other income sources.

### Who is this app designed for?

This app is designed for US Federal Employees who are planning their retirement. It is particularly useful for those who want a visual tool to understand their projected income and make informed decisions about their retirement timeline.

## Version history (last 5 releases)

### 1.71 — 2021-05-01

Updates to keep pace with the latest iOS versions

### 1.70 — 2020-10-23

Refinements to calculations and help information

### 1.6 — 2019-01-11

New!  TSP page shows the ending balance for each age you select.
Help has also been updated to reflect new TSP contribution limits.

### 1.5.1 — 2018-03-08

• Fix to Postponed Retirement toggle
• Refinements to formula calculations
• Usability improvements

### 1.5.0 — 2018-01-30

• Added Postponed Annuity for MRA+10 employees
• New links for Retirement Classes & Seminars
• Improved Help information
• Optimized for iPad, iPhone X
• Optimized for latest iOS
• Annuity COLA and Survivor Benefits are now part of paid version, but you can still calculate your annual Annuity for free
• Additional validation and refinements to ensure accurate estimates

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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 2026-09-04.*