Report updated Apr 16, 2026
ClearToRetire
For federal employees (FERS) seeking a detailed, private, and comprehensive tool to plan their retirement income, specifically those in special provision categories.
ClearToRetire is an established finance app that is a paid app.
What is ClearToRetire?
Current Momentum
v1.1
Bug Fix: FERS Annuity Supplement now correctly uses only civilian FERS service years, excluding military buyback time, per OPM guidelines.
What makes this app unique?
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What Are The Key Features?
Dedicated calculation logic for ATC, LEO, FF, and CBPO employees including 1.7% multipliers.
Calculates net income after federal/state taxes, FEHB premiums, and Medicare costs.
Side-by-side comparison of two retirement years with what-if sliders.
Operates entirely offline with no data collection or transmission.
How much does it cost?
- One-time purchase of $2.99
The app uses a low-friction, one-time purchase model, positioning itself as a professional utility tool rather than a recurring subscription service.
Who Built It?
Providing specialized, privacy-focused utility and financial tools for niche professional audiences, including flight simulation enthusiasts and federal employees.
Portfolio
2
Apps
What other apps does Raul Heredia make?
Explore the full Raul Heredia report
Portfolio breakdown, audience, momentum, and every app published by Raul Heredia.
What do users think recently?
Analysis in progress, available soon
What is the competitive landscape for ClearToRetire?
Where is it available?
Localized markets (1)
How's The Finance Market?
How does it evolve in the Finance market?
Rank progression
2 active rankings tracked — 30-day window
The rivals identified
The outtake for ClearToRetire
Strengths to defend, gaps to attack
Core Strengths
- Deeply specialized logic for Special Provision federal employees
- Privacy-first architecture with 100% offline functionality
- Advanced scenario comparison and 'what-if' modeling
Critical Frictions
- Zero ratings/reviews to establish social proof
- No web or social media presence for brand discovery
- Limited to iOS platform only
Growth Levers
- Expansion to Android platform
- Integration of additional federal benefits like FEGLI or FLTCIP
- Partnerships with federal employee unions or associations
Market Threats
- Established rivals with high review counts and brand history
- Free calculators provided by government agencies (OPM)
- Regulatory changes to FERS formulas requiring frequent updates
Key Takeaways
ClearToRetire is an established finance app that is a paid app.
Where Is It Heading?
Trend analysis
Available very soon