---
title: "ClearToRetire - Reviews, Revenue and Downloads in United States | Apple App Store"
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 g"
---

# ClearToRetire — United States

![ClearToRetire App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/4d/a6/ef/4da6efd5-ce42-5134-5293-fac0d0a86b1b/AppIcon-0-0-1x_U007epad-0-1-85-220.png/434x0w.png)

**Developer:** [Raul Heredia](https://apptail.io/developer/raul-heredia-KMSdCb)
**Category:** Finance
**Rating:** 4.8/5 (5 ratings)
**Price:** $2.99
**Bundle ID:** com.echovictor.DMK.ClearToRetire
**Store:** Apple App Store
**Country:** United States
**Version:** 1.2 (released 2026-06-04)
**Original Release:** 2026-03-24
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id6760211356)
**AppTail Page:** [https://apptail.io/app/cleartoretire-Ibaz/united-states](https://apptail.io/app/cleartoretire-Ibaz/united-states)

## ClearToRetire 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.

## ClearToRetire Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/9b/43/5e/9b435ebd-1e34-5e4a-1804-0d84395bb831/Simulator_Screenshot_-_iPhone_17_Pro_Max_-_2026-03-21_at_18.30.49.png/1320x2868.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a9/13/b2/a913b2ad-1472-0ff4-6e93-06f21addf2ad/Simulator_Screenshot_-_iPhone_17_Pro_Max_-_2026-03-21_at_18.29.45.png/1320x2868.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a2/68/31/a26831b9-4c1a-994c-d37d-6decb76f9fc9/Simulator_Screenshot_-_iPhone_17_Pro_Max_-_2026-03-21_at_18.30.12.png/1320x2868.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a9/e8/f6/a9e8f697-957b-8eff-2bc3-9fd2aacaec0c/Simulator_Screenshot_-_iPhone_17_Pro_Max_-_2026-03-21_at_18.31.12.png/1320x2868.png)

## ClearToRetire Rating Breakdown in United States
- 5 stars: 4 (80%)
- 4 stars: 1 (20%)
- 3 stars: 0 (0%)
- 2 stars: 0 (0%)
- 1 stars: 0 (0%)

## ClearToRetire Reviews in United States

### ***** "Really great"
Handy projections.  It would be great if deferred and delayed retirements could be included in another version.
-- Kahala69, 2026-05-06

### ****- "Overall ok"
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.
-- fdsassf, 2026-05-05

### ***** "Great retirement pay calculator"
The only thing it is missing that I would like to see added would be military retirement pension calculation, including High-3 and BRS
-- bobbythebeast17273, 2026-05-05

[View all ClearToRetire reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)



## ClearToRetire Discovered Keywords
- cleartoretire

## Apps Similar to ClearToRetire
- [Military Retirement](https://apptail.io/app/military-retirement-gLc/united-states)
- [MaxRewards Credit Card Rewards](https://apptail.io/app/maxrewards-credit-card-rewards-XNp/united-states)
- [Dividend Tracker - DivTracker](https://apptail.io/app/dividend-tracker-divtracker-onv/united-states)
- [READYSAVE 529](https://apptail.io/app/readysave-529-Jfx/united-states)
- [Inspira Mobile™](https://apptail.io/app/inspira-mobile-UzL/united-states)
- [Daily TSP](https://apptail.io/app/daily-tsp-dNN/united-states)
- [DivTracker: Dividend Portfolio](https://apptail.io/app/divtracker-dividend-portfolio-bSU/united-states)
- [HSA Bank](https://apptail.io/app/hsa-bank-qFub/united-states)
- [AfterHour: Social Copy Trading](https://apptail.io/app/afterhour-social-copy-trading-OXyh/united-states)
- [Dollarwise: Budget & Tracking](https://apptail.io/app/dollarwise-budget-tracking-zyOu/united-states)

## ClearToRetire Available In
- [United States](https://apptail.io/app/cleartoretire-Ibaz/united-states)
- [Australia](https://apptail.io/app/cleartoretire-Ibaz/australia)
- [Taiwan](https://apptail.io/app/cleartoretire-Ibaz/taiwan)

---

## About AppTail

[AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends.

- [Search Apps](https://apptail.io)
- [Top Charts](https://apptail.io/top-iphone-apps)
- [Sign Up for Full Access](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=footer)

*Data provided by [AppTail](https://apptail.io) - Mobile App Intelligence Platform*