# FERS Pro: Pension Calculator — Federal Retirement & TSP

> Federal retirement planning and annuity estimation calculator for federal employees. (iPhone/iPad app by Vikorus, LLC.)

- Source: https://appshunter.io/ios/app/fers-pro-pension-calculator/id6768125146 (this page in markdown: same URL + `.md`)
- Developer: [Vikorus, LLC](https://appshunter.io/developer/1780116957)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.00/5 from 6 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 31 MB
- Languages: American English
- Released: 2026-05-14
- Data updated: 2026-08-19
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/fers-pro-pension-calculator/id6768125146/reviews.md

## What is FERS Pro?

The smartest way to plan your federal retirement.

FERS Pro is the modern retirement calculator for federal employees, built by people who know the system — and kept up to date. Get accurate annuity estimates, model a VERA early-out, see every retirement income stream in one chart, and finally learn what military buyback is worth.

--- EVERY INCOME STREAM, ONE FORECAST ---

Your FERS annuity, TSP withdrawals, FERS Supplement, and Social Security — plus spouse Social Security, IRA and 401(k) withdrawals, rental income, dividends, and any other income — combined into one clean 50-year chart. Toggle estimated taxes to see net income, not just gross.

--- FACING A VERA OR RIF? ---

Model a Voluntary Early Retirement in seconds: age 50 with 20 years, or any age with 25. See your immediate annuity with no age penalty and when your FERS Supplement kicks in. Compare deferred vs postponed retirement — they are not the same, and FERS Pro calculates both correctly.

--- WHY FERS PRO ---

- Built right for special categories — Law Enforcement, Air Traffic Controllers, and Firefighters get correct age-50 / MRA-10 / 25-year retirement rules
- Military Buyback Analyzer — see exactly what buying back active-duty time costs and what it earns you back over your lifetime
- Sick Leave Converter — turn unused hours into creditable service (2,087 hrs = 1 year)
- TSP Withdrawal Planner — 4% rule, RMD, custom strategies, and your own rate-of-return assumptions
- FERS Annuity Supplement — finally calculated correctly
- Save & Compare Scenarios — what if I retire 2 years early? What if I take the VERA?
- Live Days-to-Retirement Countdown + Federal Holiday Calendar

--- PRIVACY-FIRST ---

We don't collect your salary, your service dates, or anything else. All calculations happen on your device. No accounts. No tracking.

--- PRO FEATURES ---

Free for your first 3 calculations. Upgrade for unlimited scenarios, military buyback, TSP modeling, income streams, the 50-year chart, and every Pro feature — yearly subscription or one-time lifetime purchase.

--- DISCLAIMER ---

FERS Pro provides estimates only (including tax estimates) and is not affiliated with OPM, TSP.gov, or the U.S. government. For official figures, contact your agency HR.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Accurate annuity estimates
- VERA early-out modeling
- All income streams in one chart
- Military buyback analysis
- TSP withdrawal planning
- Sick leave conversion
- Save and compare scenarios

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| FERS Pro Annual | $7.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| FERS Pro Lifetime | $14.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/fers-pro-pension-calculator/id6768125146/reviews.md

### 1/5 — Very basic even with paid option

*2026-08-13*

I’ve used the free online federal retirement planner but wanted something on the phone. The free option with FERS pro is extremely basic. It’s not intuitive (am I entering current salary or projected salary at retirement?). It doesn’t even allow you to adjust salary for inflation. The “pro” upgrade claims to allow for a 50-year forecast + TSP + social security. 

So I paid the fee hoping for something closer to the online OPM version. After paying the fee, you can see that option on the main screen, but it still makes you go through the very basic FERS annuity calculator to supposedly save the base estimate. The problem is once you run the basic analysis, there are no options to do a deeper analysis. You can’t even get back to the main screen unless you exit and restart the app. You can save the analysis, but if you restart the app, there’s no way to load the saved analysis. So even if you supposedly saved the analysis and tried to run the advanced forecast, the app still requires you to run the basic analysis first, which again leaves you with no option to run the forecast + TSP + SS analysis. 

You can kinda run these analyses separately, but they’re all very basic. You can adjust the TSP withdrawal planner somewhat, so you can get an estimate of your TSP balance at certain age, but the numbers don’t make sense. If you put in $1,000,000 at 6% annual return , the app says you will have $1,188,145 at the end of 10 years with a lifetime withdrawal of $499,339. What does that even mean? With 6% return for 10 years you should have way more than $1.188M, and does the withdrawal start at the end of that time period, and for how long? There’s no explanation. 

Same for the social security estimate. The app tells you to go to SSA.gov to get the monthly PIA. So what do I need the app?

This app is junk.

## Frequently asked questions about FERS Pro

### What is FERS Pro?

FERS Pro is a modern retirement calculator designed specifically for federal employees. It provides accurate annuity estimates, helps model early retirement options like VERA, and consolidates all your retirement income streams into a single forecast.

### How does FERS Pro handle different retirement scenarios?

FERS Pro allows you to model Voluntary Early Retirement (VERA) and compare deferred versus postponed retirement options. You can see your immediate annuity and when your FERS Supplement will begin, ensuring you understand the implications of different choices.

### Can FERS Pro calculate the value of military buyback?

Yes, FERS Pro includes a Military Buyback Analyzer. This feature shows you the exact cost of buying back active-duty time and projects how much it will earn you back over your lifetime, helping you make informed decisions.

### Does FERS Pro help with TSP withdrawals?

Absolutely. The app features a TSP Withdrawal Planner that supports various strategies, including the 4% rule, Required Minimum Distributions (RMDs), and custom rate-of-return assumptions. It helps you manage your Thrift Savings Plan effectively.

### Is FERS Pro suitable for special categories of federal employees?

Yes, FERS Pro is built to accommodate special categories such as Law Enforcement, Air Traffic Controllers, and Firefighters, ensuring correct calculations for their specific retirement rules (e.g., age-50 with 20 years, or any age with 25 years of service).

### What are the Pro features in FERS Pro?

Pro features include unlimited scenario saving and comparison, detailed military buyback analysis, advanced TSP modeling, the 50-year income stream chart, and the correct calculation of the FERS Annuity Supplement. These features require an upgrade.

### What is the pricing for FERS Pro?

FERS Pro is free for your first three calculations. For unlimited access to all Pro features, you can choose a yearly subscription for $7.99 or a one-time lifetime purchase. The app is free to download and use for basic estimations.

### Is FERS Pro affiliated with the U.S. government?

No, FERS Pro is an independent application developed by Vikorus, LLC and is not affiliated with OPM, TSP.gov, or the U.S. government. It provides estimates only, and for official figures, users should contact their agency HR.

## Version history (last 4 releases)

### 1.1.1 — 2026-08-11

Small bug fixes

### 1.1.0 — 2026-07-09

Small bug fixes.

### 1.0.1 — 2026-05-17

UI updates
General bug fixes

### 1.0 — 2026-05-14

No release notes.

## More apps by Vikorus, LLC

- [VA Disability Rates Calculator](https://appshunter.io/ios/app/va-disability-rates-calculator/id6738308492)
- [Military Retirement Pay Calc](https://appshunter.io/ios/app/military-retirement-pay-calc/id6740145039)
- [US Military Ranks](https://appshunter.io/ios/app/us-military-ranks/id6740146782)
- [TSP Pro](https://appshunter.io/ios/app/tsp-pro/id6744782326)
- [DOGE Watch](https://appshunter.io/ios/app/doge-watch/id6745099528)
- [US Military Pay Calculator](https://appshunter.io/ios/app/us-military-pay-calculator/id6745111356)

All apps by Vikorus, LLC: https://appshunter.io/developer/1780116957

## Related topics

[retirement calculator pension](https://appshunter.io/ios/topics/retirement-calculator-pension)

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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 2026-08-19.*