# PensionForge — FRS Retirement Calculator > Florida public pension retirement projection and planning tool. (iPhone/iPad app by PensionForge LLC.) - Source: https://appshunter.io/ios/app/pensionforge/id6780689201 (this page in markdown: same URL + `.md`) - Developer: [PensionForge LLC](https://appshunter.io/developer/6780185459) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 30 MB - Languages: American English - Released: 2026-06-25 - Data updated: 2026-08-11 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/pensionforge/id6780689201/reviews.md ## What is PensionForge? PensionForge models retirement projections for Florida public pension members — your pension benefit, DROP lump sum, contribution balances, and timeline, from your actual plan profile. It covers the Florida Retirement System (FRS) and Florida's local police and firefighter pension plans under Chapters 175 and 185, beginning with the City of St. Cloud. Every FRS membership class is supported — Special Risk (fire, EMS, law enforcement, corrections), Regular Class (teachers, state and county employees), and everyone in between — plus supported Chapter 175/185 plans. Projections use the formulas and factors published for whichever plan you pick. NEW — TIMELINE & INCOME PLAN Your retirement, mapped end to end. The Timeline orders every milestone — vesting, retirement eligibility, your DROP window, Social Security and Medicare ages, and the dates you set — each with the rule and statute behind it. Built in, the Income Plan sets a target annual income and tests whether it holds to any age you choose, simulating your pension, Social Security, and accounts year by year, including required minimum distributions. Find the highest income that holds, inspect every stream, and set your own withdrawal rate — no more fixed 4%. SCENARIO MODELING Build and compare scenarios side by side — vary salary growth, retirement age, DROP timing, and contribution rates to see how each moves your projected pension, DROP balance, and total income. THRESHOLD ALERTS Set alerts on any of 16 metrics and get notified when your projected pension crosses a target, your DROP balance hits a milestone, or a retirement date nears — evaluated daily via email and iOS notifications. CALCULATORS Explore your pension benefit, Average Final Compensation, DROP projections, contribution balances, and relocation tax impact. Everything runs on-device — your data stays on your phone. PDF REPORTS Export clean PDF reports — single scenario, comparison, or full portfolio. Share via AirDrop, Messages, Mail, or Files. CALENDAR INTEGRATION Add milestone dates to your iOS Calendar. LEGISLATIVE PULSE Track Florida legislation that could affect your pension benefits. PensionForge is not a financial advisor and does not provide personalized advice. Projections are estimates from your inputs; consult a qualified professional for your situation. FREE — explore every calculator, free forever. Create up to 2 saved scenarios, set 1 alert across 6 metrics, and export watermarked single-scenario PDFs. Includes every calculator, every Learn article, FRS and Chapter 175/185 support, and 457(b), 403(b), and Roth modeling. PENSIONFORGE PRO ($8.99/month or $79.99/year) — unlimited modeling and reports. Connect your financial accounts to sync balances. Unlimited scenarios and alerts across all 16 metrics. Model your spouse and household income — combine pensions, DROP, and accounts. Export comparison, portfolio, household, and watermark-free PDFs. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the period ends; your account is charged within 24 hours prior to renewal. Manage or cancel anytime in App Store Account Settings. Terms of Use: https://pensionforge.com/terms Privacy Policy: https://pensionforge.com/privacy INDEPENDENT & NOT GOVERNMENT-AFFILIATED PensionForge is an independent product developed by PensionForge LLC. It is not affiliated with, endorsed by, or connected to the Florida Retirement System, the Florida Division of Retirement, the State Board of Administration, any Chapter 175/185 municipal police or firefighter pension plan or its board (including the City of St. Cloud Police Officers' & Firefighters' Retirement System), or any government entity. Projections are computed from formulas and actuarial factors published in Florida Statutes Chapters 121, 175, and 185, the FRS Annual Report, and each plan's governing documents. Source data is public at https://www.myfrs.com. ## Key features - Retirement projection modeling - DROP lump sum calculations - Contribution balance tracking - Timeline and income planning - Scenario comparison - Threshold alerts - PDF report generation ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | PensionForge Pro Monthly | $8.99 | per month | | PensionForge Pro Annual | $79.99 | per year | ## Frequently asked questions about PensionForge ### What is PensionForge? PensionForge is a retirement projection calculator specifically designed for Florida public pension members. It helps you model your pension benefits, DROP lump sum, contribution balances, and retirement timeline using your actual plan profile. ### Does PensionForge have ads? No, PensionForge does not contain advertisements. The app is free to explore with basic features, and offers an optional Pro subscription for advanced functionality. ### What are the subscription options for PensionForge Pro? PensionForge Pro offers two subscription plans: a monthly subscription for $8.99 per month and an annual subscription for $79.99 per year. These plans unlock unlimited modeling, alerts, and advanced reporting features. ### Is my financial data secure with PensionForge? Yes, PensionForge emphasizes data privacy by performing all calculations on-device. This means your personal financial data stays on your phone and is not transmitted to external servers. ### What types of Florida retirement plans does PensionForge support? PensionForge supports the Florida Retirement System (FRS) for all membership classes, including Special Risk and Regular Class. It also covers Florida's local police and firefighter pension plans under Chapters 175 and 185. ### How often is PensionForge updated? PensionForge was last updated on July 19, 2026, with version 1.6.0. The release date for the initial version was June 25, 2026, indicating active development and regular updates. ### Can I model my spouse's retirement with PensionForge Pro? Yes, PensionForge Pro allows you to model your spouse and household income. You can combine pensions, DROP, and accounts to get a comprehensive view of your household's retirement financial picture. ### What are the limitations of the free version of PensionForge? The free version of PensionForge allows you to explore all calculators and FRS/Chapter 175/185 support. However, it limits you to 2 saved scenarios, 1 alert across 6 metrics, and watermarked single-scenario PDF exports. ## Version history (last 5 releases) ### 1.7.0 — 2026-08-11 NEW — plan any separation date, with or without DROP • The scenario wizard no longer asks you to pick a retirement-path category. Choose whether you plan to use DROP, and — without DROP — enter the date you plan to leave, anywhere from vesting to well past normal retirement. The app tells you what your date means: before, at, or past your normal retirement date, and what reduction applies if any. Working past normal retirement without DROP — previously not expressible — now projects correctly, including the higher multiplier tiers some classes earn for service past the normal retirement date. Under DROP, enter your duration in years and months; your projected pension lock-in date and last day of employment are shown from your entry point and duration. Saved scenarios keep working unchanged. NEW — record purchased service credit ("buy-back time") • Record service credit you have already purchased, from the profile Personal tab or the Service Credit Purchase tool. Purchased years are stored separately from your earned years and every projection applies them under the statutory crediting rules for your class: the 1.60% purchased-service rate, counting toward the Regular Class normal-retirement service requirement, never moving Special Risk eligibility dates. Purchased service appears on scenario details, PDFs, and projection explanations. • Non-FRS plans: St. Cloud members record purchased service on their own plan's terms — the years purchased, the accrual rate their plan credits, and whether those years count toward eligibility. FIXED • Projected retirement date for members past age-based eligibility: with no separation date entered, the projection now uses the earlier of the two paths to normal retirement — age plus vesting, or total service — instead of assuming you keep working to the service-based date. • Pension growth follows your entered separation date: the "How your pension grows" chart, the pension slider, and the Income Plan's cost-of-living timing now anchor on the date you entered, including dates past normal retirement. • Special Risk scenarios saved from the Service Credit Purchase tool now project exactly what the impact table shows: purchased years credited at 1.60%, eligibility dates from earned service alone. • St. Cloud members no longer see FRS buy-back pricing or FRS crediting copy; the Service Credit Purchase tool and profile surfaces are now plan-aware. • Projection explanations itemize additive pension components (purchased service, sick-leave credit), so the formula shown reproduces the stated annual pension. • Dismissing a threshold alert now hides the dashboard alert strip. Finishing setup no longer bounces you back to Get Started or drops your sign-in. The Income Plan chart's $0 axis label no longer overlaps the income target label. ### 1.6.0 — 2026-07-19 • Search — find anything in the app from one place. Search your tools, Learn articles, glossary terms, published legislation, app pages, and your own saved scenarios. Open it from the search icon in the sidebar, the menu on mobile, or press ⌘K (Ctrl+K) on the web app. The Alerts bell now lives in the sidebar navigation under Timeline. • Timeline, sized for your desktop — on larger screens the Timeline now pairs the milestone spine with a detail panel alongside it. Select a milestone to read the rule behind it — its basis, statute citation, and related Learn articles — without the page shifting under you. Before you select anything, the panel shows your next projected milestone plus your horizon and alerts; your income plan shows its status and year-by-year chart. On phones the Timeline works exactly as before. • Income Plan: reserve part of an account for spending. Set an optional "reserved for spending" amount on any account and the drawdown projection runs on what remains. The account card and assumptions panel disclose what was set aside. • St. Cloud sick leave — your sick-leave hours can now be entered in the setup wizard's Career step and in the scenario editor, not just the profile editor. FIXED — retirement income totals • One income total, everywhere. Every surface — dashboard, income breakdown card, retirement summary, wizard results, household tab, PDFs, and the plan narrative — now shows the same total: pension + account drawdown + Health Insurance Subsidy. Previously the dashboard and breakdown card could disagree by the Social Security amount. • Social Security is shown on its own labeled line ("Social Security from age 62: +$1,400/mo — not included above") rather than folded into the headline, since it begins at your claiming age. The % of AFC ring uses the same total. If you entered a benefit, the app applies the Social Security Administration's statutory claiming-age adjustment, shown step by step in "How was this calculated?". No tax is deducted from displayed totals; amounts are before taxes. • Every "How was this calculated?" equation now adds up: the bold total is the exact sum of the lines above it, including the Health Insurance Subsidy when projected, with the spouse DROP lump sum marked as paid at DROP exit rather than omitted. • The Health Insurance Subsidy, when expected, joins the headline total everywhere and is itemized as its own line (still subject to annual legislative appropriation). FIXED — projected retirement age • Projected retirement and separation ages now include the months since your last birthday. Previously the projection started from your age in whole years, which could understate the projected retirement age by up to a year. Timeline year labels use the same corrected age, and ages display with one decimal. For vested members who separate early, projected collection now begins at the normal retirement age. • The Eligible milestone uses the same corrected age, so it matches the markers beside it. Eligibility dates reached by age land on the actual normal-retirement birthday — including exported calendar events — instead of up to a year later. • Spouse milestones share the corrected age base. For a spouse whose retirement is reached by age, the projected working window now ends on the normal-retirement birthday, which can slightly reduce projected spouse service and pension. • DROP scenarios say so on the card: "After 20.5 years of service + 5 years in DROP" — the age is your projected DROP exit; pension service is fixed at DROP entry. FIXED — mobile navigation • The Timeline tab now always appears in the bottom bar when you're signed in. Previously the bar could keep showing "Get Started" in Timeline's slot until you signed out and back in. Finishing setup now updates the navigation immediately. ### 1.5.0 — 2026-07-18 What's New - Timeline — a new view of your retirement milestones (vesting, retirement eligibility, your DROP window and participation period, Social Security and Medicare ages, and the dates you set), ordered by distance from today. Tap any milestone to see the rule behind it, with its statute citation. The Timeline takes the Alerts spot in the bottom navigation; Alerts itself is unchanged and is one tap away via the Timeline's bell or its alerts row. - Your withdrawal rate, your call — the drawdown rate applied to your retirement accounts is now an input you control (previously a fixed 4%). Every projection surface uses the rate you set. - DROP lump-sum destination — you can now record what you plan to do with your DROP lump sum at exit. A rollover or conversion destination adds the lump to your drawdown base, so projected monthly income includes a separately labeled "DROP rollover drawdown" stream — on the dashboard, income chart, calculation breakdown, household timeline, scenario comparisons, and PDFs. Cash-out (or leaving it unset) projects exactly as before. - Income plan — set a target annual income and test whether it holds to an age you choose. Your pension (with your elected payment option and COLA), Social Security amounts you enter from your ssa.gov statements, and your retirement accounts in the draw order you set are simulated year by year, including required minimum distributions. The plan lives on your Timeline as a single card: adjust the target and watch the answer update, find the highest income that holds, and open the year-by-year flow to see every stream — including a survivor view based on an assumption you set, in either direction. Tap any year in the flow to see that year's dollars: pension, Social Security, each account's draw, its required minimum distribution, any amount the minimum forces out beyond your plan, and the year's gross total. Setup pulls your account balances from your saved scenarios and prefills from the active one; and if a scenario models DROP with a rollover destination (457(b), traditional IRA, or Roth conversion), you can add a separate "DROP rollover (projected)" account seeded with the lump sum projected from your inputs and dated at your DROP exit — held aside until that year, then drawn in the order you set, never merged into a balance you entered. All amounts are gross, before taxes, and every assumption is listed with its source. Fixes - Fixed "Narrative unavailable — tap to retry" appearing for valid projections (decimal figures such as "15.6%" were miscounted as sentence breaks). Rate-limited regeneration now shows your most recent narrative with the date of the inputs it reflects, instead of an error. ### 1.4.0 — 2026-07-10 PensionForge is now multi-system. Until now, PensionForge modeled the Florida Retirement System (FRS). Version 1.4.0 adds its first non-FRS pension system: the City of St. Cloud Police Officers' and Firefighters' Retirement System (Chapters 175/185). If you belong to St. Cloud Police or Fire, you can now model your retirement with your plan's actual rules — not an FRS approximation. NEW: ST. CLOUD POLICE & FIRE (CH. 175/185) • Banded benefit multipliers applied by your years of service • Sick-leave accrual credited toward service • The plan's delayed flat COLA (1% per year, beginning after the statutory wait) • DROP modeled on your election — the fixed statutory rate or an assumed market rate • Pre-retirement survivor benefits in the plan's ten-year-payable form • Projections, disclaimers, and PDF reports that cite St. Cloud's plan documents, never FRS statutes Pick your system during onboarding at Get Started, and every calculation, citation, and disclaimer follows the plan you chose. ENGINE ACCURACY UPDATES • Regular Class pension multiplier now follows the full service-year tier ladder in section 121.091(1)(a) • Purchased service credited at the Regular Class rate, with cost-basis notes • 2026 tax data refreshed: standard deductions, the SSA taxable wage base ($184,500), and rules for several relocation states • Section 72(t) age-55 separation exception modeled for early-withdrawal timing • Special Risk line-of-duty-death survivor pension corrected to 100% of salary • A repealed reemployment provision removed PensionForge estimates and projects from the inputs you provide, for educational purposes. It is not a financial advisor and does not tell you what to do. Questions: team@pensionforge.com ### 1.3.0 — 2026-07-02 PensionForge 1.3.0 — Household & Beyond This release grows PensionForge from a single-member pension calculator into a household retirement planning tool, and introduces a new guided "Decision Flow" experience. NEW TOOLS • Survivor / Death Scenario Modeling — estimate what your family would receive if you pass away in active service, during DROP, or after retirement. Projects your FRS survivor benefit under each payment option, side by side, alongside estimated Social Security survivor benefits, life insurance, and any DROP balance — including line-of-duty-death provisions (spouse pension, state lump sums, and federal PSOB). • DROP Exit Strategy — for members leaving DROP with a lump sum, estimate the multi-year federal tax picture of each way to deploy it: a governmental 457(b), a Traditional IRA, a Roth conversion, cash, or a custom split. Includes required minimum distribution timing (SECURE 2.0), the public-safety §72(t)(10) early-withdrawal rule, and how withdrawals interact with Social Security taxation. Strategies are shown side by side, never ranked. • Service Credit Purchase — estimate the cost to buy credit for prior military, other-Florida-public, or out-of-state service, and see the projected effect on your credited service, monthly benefit, normal retirement date, DROP eligibility, and breakeven. • Re-Employment Restriction — check whether returning to an FRS employer after retirement would suspend your pension, and for how long, under the 6/12-month limitation. ALSO IN THIS RELEASE • Refreshed household income wizard, aligned with the smoother onboarding experience. • New mobile Menu drawer that mirrors the full desktop sidebar, so every tool stays reachable on your phone as our toolset grows. ## More apps by PensionForge LLC - [DutyPay](https://appshunter.io/ios/app/dutypay/id6780185457) - [ChalkPay for Teachers](https://appshunter.io/ios/app/chalkpay-for-teachers/id6782914604) All apps by PensionForge LLC: https://appshunter.io/developer/6780185459 --- *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 2026-08-11.*