Inspira Mobile® vs ClearToRetire

Inspira Financial is a provider of health, wealth, retirement, and benefits solutions. The Inspira app helps you take care of your benefits with ease. Whether you’re checking a balance, requesting reimbursement, or making a payment, everything is designed to be clear, quick, and easy to use with fewer taps and less guesswork. Built to save you time • Quick and secure login to get you right to what matters • Simplified dashboard that shows your balances, activity, and common tasks • Request reimbursement faster and get clear status updates • Move through the app with ease thanks to improved navigation and core features • Stay informed with timely alerts when action is needed Supports the benefits you have with Inspira • health savings account (HSA) • health care flexible spending account (FSA) • dependent care flexible spending account (FSA) • limited purpose flexible spending account (FSA) • health reimbursement arrangement (HRA) • lifestyle spending account (LSA) • commuter benefits • COBRA • direct billing At Inspira Financial, we’re committed to making benefits easier to access, understand, and manage. Every improvement to the app is shaped by user feedback and built to support you so you can feel confident in every step you take. Download the app for free and manage your benefits with confidence.

ClearToRetire is a comprehensive FERS retirement calculator built for federal employees. Whether you're a regular FERS employee or in a special provision category (ATC, LEO, FF, CBPO), ClearToRetire gives you a complete picture of your retirement income — pension, TSP, Social Security, and net take-home pay. FERS PENSION CALCULATOR • Full pension calculation using the FERS formula with your High-3 average salary • Automatic High-3 projection based on current salary and expected raises • Special provision support with 1.7% multiplier for ATC, LEO, FF, and CBPO • SPLIT and MRA+30 formula options for special provision employees • Sick leave credit, military buyback years, and non-covered service adjustments • COLA projections (immediate or deferred to 62 based on eligibility) • Age reduction calculations for early retirement RETIREMENT ELIGIBILITY • Automatic retirement path determination (Immediate, Early, MRA+10, Deferred) • Special provision eligibility (age 50 with 20 years, any age with 25 years) • Shows all qualified paths with recommended formula for highest pension • FERS Supplement calculation for employees retiring before 62 TSP PROJECTIONS • Traditional and Roth TSP balance tracking • Pre- and post-retirement growth rate assumptions • Withdrawal timing control — start at retirement or delay for additional growth • Depletion age analysis so you know when funds run out • Year-by-year balance projections through life expectancy SOCIAL SECURITY • Compare claiming at ages 62, 67, and 70 • Cumulative lifetime benefit analysis • Automatic integration with your chosen claiming age TAKE-HOME INCOME • Net monthly and annual income after all deductions • Federal tax calculation using current brackets • State-specific tax rules — pension exemptions, SS taxation, no-income-tax states • FEHB premium projections with annual growth • Medicare Part B, Part D, and Medigap costs • Survivor benefit cost analysis (full, partial, or none) SCENARIO COMPARISON • Compare two retirement years side-by-side • See differences in pension, TSP, SS, net income, and estate value • What-if slider on the Dashboard for instant year adjustments TIMELINE VIEW • Year-by-year breakdown from retirement through life expectancy • Income transition highlights (retirement, supplement ends, SS begins, Medicare, TSP depletion) ADDITIONAL FEATURES • Non-TSP investment accounts with tax treatment and withdrawal planning • Other income sources (rental, part-time, military pension, etc.) • Income target tracking — set a monthly goal and see when you'll reach it • Funds for beneficiaries projection (TSP + investments at life expectancy) • Complete offline — no internet connection required • All data stays on your device — nothing is collected or transmitted ClearToRetire is for informational purposes only and is not financial, tax, or legal advice. Always verify estimates with your HR office, OPM, SSA, and a qualified financial advisor.