Pensora: FERS & Retirement Calculators — iPhone App
Estimate a standard federal retirement, compare the rest of your plan, then keep your retirement date visible on your home screen.
IndependentFreeNo sign-upSources: OPM · SSA · IRS
Free countdown and calculators. App Store shows every optional upgrade before you buy.
What's inside
- A standard FERS retirement estimate — High-3 annuity, MRA eligibility, age and survivor reductions, supplement, FEHB checks, and TSP projection in one place.
- Giant days-remaining countdown with a home-screen widget, so you see it every time you unlock your phone.
- Calendar days and workdays, side by side — workdays subtract your vacation days too.
- A daily retirement quote to keep you motivated on the days that drag.
- Social Security claiming calculator — compare ages 62, 67, and 70 side by side, plus your personal break-even age.
- RMD calculator with yearly deadline reminders, so December 31 never sneaks up on you.
- Your numbers never leave your device — no account, no SSN, ever.
For the retirement plan you want to see every day
Pensora is for people who already have a date in mind and want to keep it visible without handing over a bank login or building a spreadsheet habit. Federal employees can start with the FERS estimate, use the free countdown when motivation matters, then open the Social Security and RMD tools when a planning decision needs more than a date on the calendar.
The app is not financial advice and it does not replace a tax professional or financial planner. It gives you a private, source-cited place to explore the numbers and prepare better questions before a decision.
App preview
Retirement countdown widget + these calculators on your phone.
See the iPhone app features and screenshots →Need saved scenarios or a detailed report?See Pensora Pro →
Why a separate app?
The calculators on this site work well in a browser, but a countdown you check every day deserves a home-screen widget — something only a real app can do. Pensora for iPhone keeps the same independent, source-cited numbers as the FERS calculator, the RMD calculator, and theSocial Security break-even calculator, built into a widget you'll actually glance at every day.
Frequently asked questions
Is the Pensora app available now?
Yes. Pensora is available now for iPhone on the App Store. Download Pensora and start with the free retirement countdown and calculators.
Will the Pensora app be free?
Yes. The retirement countdown, home-screen widget, and core calculators are free to use. Optional Pensora Pro plans unlock the complete premium experience; your App Store shows the current monthly, yearly, and lifetime prices before you buy.
Is Pensora iPhone only?
Yes, for now. Pensora is available for iPhone. If there is enough demand we may build other platforms later, but nothing is scheduled yet.
Does the app need my Social Security number or bank login?
No. Pensora never asks for your Social Security number, National Insurance number, or any bank or account login — on the app or on this website. Your inputs, like your birth date and target retirement date, stay on your device.
Does the home-screen widget update every day?
Yes. The widget refreshes automatically each day so your days-remaining count and workday count are always current, without you having to open the app.
This calculator is for educational purposes only and is not financial, tax, or legal advice. Pensora is independent and not affiliated with the SSA, the IRS, or any government agency. For decisions about your own situation, consider a licensed financial advisor.