# FERS+CSRS Retirement Estimator — user reviews > 110 indexed App Store user reviews of FERS+CSRS Retirement Estimator by ISD CONSULTING INC, rated 4.68/5 from 1,364 ratings. - Source: https://appshunter.io/ios/app/fers-plus-csrs-retirement-estimator/id1062625944/reviews - App overview in markdown: https://appshunter.io/ios/app/fers-plus-csrs-retirement-estimator/id1062625944.md - Rating breakdown: 5★ 1,063 · 4★ 226 · 3★ 40 · 2★ 9 · 1★ 26 ## 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 ## Newest reviews (17 of 110) ### 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. ### 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 ### 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. ### 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 — More income features *2024-12-01, version 1.71* Love the app, but need the ability to add multiple income streams. The six or seven aren’t enough. Please add future feature to add other IRA income streams, Trust funds, life insurance annuities, etc. ### 5/5 — Quick and easy retirement calculations *2024-11-24, version 1.71* Wish I would have tried this sooner. Gave me a quick and user-friendly look at my retirement calculations and understood the best age for retirement in minutes. ### 5/5 — Long Eye View *2024-10-25, version 1.71* You can take control of your retirement, make adjustments and seek financial counsel with the information learned! Love it🫶🏾 ### 5/5 — Amazing! *2024-10-24, version 1.71* Excellent site. ### 5/5 — Great *2024-10-13, version 1.71* App is very great and super helpful and informative ### 5/5 — Great App for Retirement Overview *2024-06-16, version 1.71* Give a good snapshot of retirement potential in a VERY easy to use format. Very much like the app. a good supplement to the FED retirement calculators on Chris Barfield’s website which are free under “Resources.” ### 5/5 — Just Excellent! *2024-06-06, version 1.71* I used to go to different places to gather all this information. And other places can’t do FERS. This puts it all in one place and is so convenient and helpful. It helped me see when I can actually retire and allows you to put in different scenarios to make your decisions. It also has “Other Income” areas to allow you to enter outside pensions or savings. I upgraded with the $5. It is absolutely worth every penny. One of the absolute best apps I’ve ever downloaded. The graphics are beautiful and very helpful in seeing the movement of your income. Worth every penny. ### 5/5 — Just Excellent! *2024-05-16* I used to go to different places to gather all this information. And other places can’t do FERS. This puts it all in one place and is so convenient and helpful. It helped me see when I can actually retire and allows you to put in different scenarios to make your decisions. It also has “Other Income” areas to allow you to enter outside pensions or savings. I upgraded with the $5. It is absolutely worth every penny. One of the absolute best apps I’ve ever downloaded. The graphics are beautiful and very helpful in seeing the movement of your income. Worth every penny. ### 5/5 — Great retirement tool! *2024-05-09, version 1.71* Seems to work great! I am getting close, less than 5 years out and I am starting to make some serious plans for when I leave. This app is cool because you can adjust your numbers - input - and it will give you different results. So you can easily play with your options. Great little tool! Worth the $6. ### 4/5 — Nice app *2024-04-24, version 1.71* Nifty app that makes it easy to change calculations ### 5/5 — By far the easiest planner I’ve used *2024-04-02, version 1.71* There are dozens of retirement planning tools available, but none as clean as this app. It is intuitive, simple, and comprehensive. ## Most critical reviews (10 lowest-rated) ### 1/5 — Very poor *2024-01-11, version 1.71* Won’t even do the first steps to estimate salary. I’m assuming you have to pay to do anything! I’m not paying. ### 1/5 — Not very useful *2023-08-30, version 1.71* The free version does not provide useful information ### 1/5 — Does Not Calculate Properly for All FERS Situations *2023-05-25, version 1.71* I tried this app, but I found it to contain significant flaws in doing calculations for FERS retirees who separated from Federal Service before reaching the age of 62, with less than 30 years of service. There is no FERS supplement if you retire or separate early. Also, if you have TSP, you know that 20% is a minimum Federal tax amount that is taken from each withdrawal, thus your “income” is not going to be the amount that you ask to withdraw - it will be 80% of what you withdraw. The calculations are misleading. Also, if you buy the app on iPhone, the app on the iPad does not acknowledge that you have the paid version. ### 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 ### 2/5 — Used to be great *2025-03-03, version 1.71* They started tinkering with the software and now there are bugs. There is no ‘rate of return’ calculation under TSP. So, it’s useless now. Also, I sent a message asking for them to add an IRA with TSP functionality since some feds move their some or all of their money out of TSP. No response. ### 2/5 — Trouble with initial log on *2024-10-24, version 1.71* Very difficult ### 2/5 — Not broad *2023-05-27, version 1.71* This app has no knowledge of the FSPS system. Which gives foreign service a 1.7 annuity for the high 3. ### 3/5 — Annuity *2023-06-16, version 1.71* I’m not following the number (computation) for annuity. How does a CSRS w/an est high 3 of $153k come to an annuity of less than $30k? OR am I misunderstanding what that number represents? ### 3/5 — Great for projecting retirement but could use update *2022-06-13* 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. ### 3/5 — Decent but needs more fidelity! *2021-04-13, version 1.70* Need to add projected gains for TSP balance. Currently, App just subtracts X amount each year as a fixed amount. In theory you can take out X amount and then your funds left will grow if invested properly, thus not depleting your TSP balance. ## Most praised reviews (10 highest-rated) ### 5/5 — Simple & Powerful *2026-01-25, version 1.71* Excellent resource ### 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. ### 5/5 — Great Planning Tool *2025-05-18, version 1.71* The app gives you the flexibility to adjust many variables. ### 5/5 — Love this app! *2025-05-12, version 1.71* I enjoy just having this to glance at. It’s nice you can add all the income streams available in retirement. ### 5/5 — Great app! *2025-03-29, version 1.71* Love this app. Great and I’ve recommended it to many. With all the turmoil with possible RIFs and VERA/DCR going on right now it’s great that you have a VERA option as well. Thanks! ### 5/5 — Great app! *2025-03-08, version 1.71* Love this app. Great and I’ve recommended it to many. With all the turmoil with possible RIFs and VERA/DCR going on right now I wonder if there is a way you could update this to allow us to explore options for early retirement and what that looks like? Thanks! ### 5/5 — You need this app *2025-03-02, version 1.71* Great App really helpful. I’ve used it for years and always found it helpful for planning. As I look at retirement and got official estimates, I was surprised to see how accurate it was. This app is so quick and flexible, absolute game changer! ### 5/5 — A very useful app *2024-12-28, version 1.71* A good app to give you an idea of what your income what would be in retirement. I update it anytime I have a change in salary, tsp contributions etc and see the new estimates amount. Has ability to add other income. It would be nice if they adds an option to add an IRA account. ### 5/5 — Great app for playing and dreaming! *2024-12-17, version 1.71* Well-designed and let’s me play with ideas as I plan my retirement…great fun and very practical! ### 5/5 — Very handy for quick “what if”s! *2024-12-15, version 1.71* Great straight forward tool for plugging different scenarios! --- *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.*