ClearToRetire
v1.1Federal employees (FERS) seeking a detailed, private, and comprehensive tool to plan their retirement income, specifically those in special provision categories.
What Is ClearToRetire?
Launched Mar 24, 2026
Updated Mar 2026
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.
What do users think? iIndependent intel reports to help builders create better apps or enhance existing ones. Still in beta, accuracy and relevancy get better every day. For informational purposes only.
Gathering public signals...
Sentiment analysis will be available once enough user reviews are collected.
How is it ranked?
| Chart | Rank | Change |
|---|---|---|
| Paid | #95 | ▼24 |
What are the pros and cons?
Pros
- Deeply specialized logic for Special Provision federal employees
- Privacy-first architecture with 100% offline functionality
- Advanced scenario comparison and 'what-if' modeling
Cons
- Zero ratings/reviews to establish social proof
- No web or social media presence for brand discovery
- Limited to iOS platform only
What is the market outlook?
Growth Opportunities
- 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
Who competes with ClearToRetire?
The Nemesis
Military Retirement Calculator
Usman Khawar
The most direct rival, offering specialized FERS pension formulas, High-3 projections, and retirement eligibility tracking for federal employees.
The most direct rival, offering specialized FERS pension formulas, High-3 projections, and retirement eligibility tracking for federal employees.
Contenders
Compete for the significant overlap of federal employees who are veterans and need to calculate military buyback and pension integration.
Privacy-First Architecture
RetirePlan
Keltin Enterprises
A high-detail retirement modeling tool that provides similar year-by-year cash flow and depletion analysis for sophisticated planners.
A high-detail retirement modeling tool that provides similar year-by-year cash flow and depletion analysis for sophisticated planners.
Peers
Stash - Rule Based Proxy
STASH NETWORKS LIMITED
A broader retirement planning tool that targets users looking for simple, automated growth projections.
A broader retirement planning tool that targets users looking for simple, automated growth projections.
What are the key takeaways?
ClearToRetire is a divisive finance app that is a paid app.
Best for: Federal employees (FERS) seeking a detailed, private, and comprehensive tool to plan their retirement income, specifically those in special provision categories.
How much does it cost?
Model: paid
The app uses a low-friction, one-time purchase model, positioning itself as a professional utility tool rather than a recurring subscription service.
iOS Version
1.1
Release Date
Mar 24, 2026
iOS Price
$2.99