ClearToRetire

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.