ClearToRetire
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| Rating | Price | |||
|---|---|---|---|---|
| United States | 100%5 | 4.80 | $2.99 | |
| United Arab Emirates | <1%0 | — | AED 12.99 $3.54 | |
| Afghanistan | <1%0 | — | $2.99 | |
| Antigua And Barbuda | <1%0 | — | $2.99 | |
| Anguilla | <1%0 | — | $2.99 | |
| Albania | <1%0 | — | $3.99 | |
| Armenia | <1%0 | — | $3.99 | |
| Angola | <1%0 | — | $2.99 | |
| Argentina | <1%0 | — | $2.99 | |
| Austria | <1%0 | — | €2.99 $3.46 |
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.