Description
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.
What's New
A major update — deeper TSP modeling, retirement-type support, leave payouts, and PDF reports. TSP • Model your Traditional vs Roth split with three withdrawal strategies (Proportional, Traditional-First, Roth-First) plus a Custom Mix for bracket-bridging • IRS 10% early-withdrawal penalty now modeled — with Rule of 55 and Public Safety Officer exemptions, calculated to the exact 59½ date • Catch-up contribution limits built in (50+ and the SECURE 2.0 "super catch-up" for ages 60–63) • Required Minimum Distributions (RMD) at age 73/75 Retirement types • Choose Immediate, MRA+10 Postponed, or Deferred — eligibility, FEHB, the FERS Supplement, sick-leave credit, and your multiplier all adjust accordingly Leave at retirement • Your unused annual leave is modeled as a lump-sum cash payout; sick leave as added service credit • ATC: new NATCA sick-leave buy-back option — compare taking 40% cash vs. the lifetime annuity value Taxes & accuracy • New year-by-year tax breakdown showing federal, state, and penalty by year, with markers at SS start, Medicare, RMD, and penalty-end • VA disability COLA now follows the official SS/VA COLA automatically, with an override for custom rates • Public Safety Officer $3,000 healthcare tax exclusion PDF reports • Export full, timeline, and comparison PDF reports — now including TSP strategy comparison and eligibility/tax-rule pages Plus full Android feature parity and accuracy refinements throughout.
Details
- Developer
- Raul Heredia
- Main Category
- Finance
- Version
- 1.2
- Version Release
- 2026-06-04
- Initial Release
- 2026-03-24
- Size
- 5 MB
- Age Rating
- 4+
- Price
- USD 2.99
- Languages
- EN
- Bundle ID
- com.echovictor.DMK.ClearToRetire
- Version Rating
- ★ 4.80 (5)
- First Seen
- 2026-05-28
Metadata updated 2026-06-15
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User Reviews
Handy projections. It would be great if deferred and delayed retirements could be included in another version.
I like the app overall—it’s very helpful for federal retirement planning—but I noticed a few areas that could make the projections more accurate and realistic for long-term users: 1. TSP Catch-Up Contributions Missing For users age 50+, TSP catch-up contributions can make a major difference in retirement projections. Right now, it appears the app only uses the standard annual contribution limit and doesn’t account for catch-up contributions, which may significantly underestimate future TSP balances. 2. Roth vs Traditional TSP Tax Treatment Needs More Clarity The app combines TSP balances/projections, but it’s not always clear how taxes are being handled between Roth TSP and Traditional TSP. Since Roth contributions may provide tax-free qualified withdrawals while Traditional TSP is generally taxable, clearer separation or after-tax income projections would make the retirement estimates much more useful. 3. VA Disability Projection Appears Fixed Instead of Inflation-Adjusted The current VA disability amount seems to be carried forward as today’s dollar value into retirement without showing future COLA adjustments or inflation assumptions. For example, if someone enters $3,737/month in 2025, that same amount should not simply be used 17 years later as-is. By retirement age, the actual benefit could be significantly higher due to annual cost-of-living adjustments. Including projected VA compensation growth would make the retirement income estimate more realistic. Overall, this is a strong app with a lot of potential, especially for federal employees under FERS. Adding these improvements would make it much more accurate for serious long-term retirement planning.
The only thing it is missing that I would like to see added would be military retirement pension calculation, including High-3 and BRS
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