# PointGuard: Guard & Reserve — Pension, Points, & Good Years

> Pension, Points, & Good Years (iPhone/iPad app by Mally Ferguson.)

- Source: https://appshunter.io/ios/app/pointguard-guard-and-reserve/id6791603014 (this page in markdown: same URL + `.md`)
- Developer: [Mally Ferguson](https://appshunter.io/developer/6791603016)
- Category: Utilities, Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 16.4 · 85 MB
- Languages: American English
- Released: 2026-07-31
- Data updated: 2026-08-02
- User reviews in markdown: https://appshunter.io/ios/app/pointguard-guard-and-reserve/id6791603014/reviews.md

## What is PointGuard?

PointGuard is a points, good-year, and retirement tracker built for U.S. National Guard and Reserve members — by a serving Guard NCO.

Your official record system shows the past. PointGuard models the future: it tracks every retirement point, warns you before a good year slips away, and shows your retirement math out in the open — including the reduced (early) retirement-age credit that almost everyone miscalculates.

WHAT YOU GET, FREE
- Points dashboard — a clear good-year ring and your career totals at a glance
- Every point, every year — log drills, AT, and orders, or import your history from your points statement
- Scan a statement or orders with your camera and confirm the numbers — read on your device
- Retirement projection — pay-table math, VA disability, and the early retirement-age calculation, with the formula shown
- Good-year alerts — local reminders before a year is at risk
- Drill-pay calculator and a pension planner with live sliders
- Backup and restore your data as a file you control

BUILT FOR HOW GUARD/RESERVE ACTUALLY WORKS
- Reduced (early) retirement-age credit, computed under current law
- Retention/Retirement (R/R) year tracking, not calendar-year guesswork
- Active-duty, technician (FERS), and AGR paths
- TSP, BRS government match, and Blended vs High-3

PRIVACY FIRST
PointGuard has no account and no server for your service data. Everything stays on your device — no tracking, no ads, no selling your data. Scanning happens on-device. You can erase everything at any time.

SOURCES
PointGuard helps you organize and project your own records. Every figure it shows is drawn from these official U.S. government sources — always verify against them and with your RPAM and finance office:
- Reserve/Guard retirement, good years, and reduced retirement age (10 U.S.C. 12731-12733): https://uscode.house.gov
- DoD reserve retirement policy (DoD Instruction 1215.07): https://www.esd.whs.mil/Directives/
- Military basic pay tables: https://militarypay.defense.gov/Pay/Basic-Pay/
- Retired pay computation: https://www.dfas.mil/RetiredMilitary/
- Blended Retirement System: https://militarypay.defense.gov/BlendedRetirement/
- VA disability compensation rates: https://www.va.gov/disability/compensation-rates/
- Thrift Savings Plan (TSP): https://www.tsp.gov
- FERS civilian retirement (dual-status technicians): https://www.opm.gov/retirement-center/fers-information/

PointGuard is an independent tool and is not affiliated with, endorsed by, or connected to the U.S. government or any official military personnel or pay system. Every projection is an estimate.


## Version history (last 1 release)

### 1.0 — 2026-07-31

No release notes.

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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 2026-08-02.*