Pensora: Retirement Countdown

Name: Pensora: Retirement Countdown
Author: Phi Truong Nguyen

iOS app by Phi Truong Nguyen. Finance · Phi Truong Nguyen

Store rating: 0 / 5
Store rating count: 0
Download price: Free to download
In-app purchases: Unknown
Version: 1.1.0
Listing last refreshed: 2026-09-08

Store description excerpt

Retirement is closer than you think. Pensora shows you exactly how far — and helps you explore the decisions that matter on the way there. PLAN YOUR FEDERAL RETIREMENT (FERS) Estimate a standard FERS annuity from your High-3, creditable service, separation age, annuity start date, and survivor election. See your Minimum Retirement Age and whether the entered path appears immediate, postponed, deferred, reduced, or unreduced. Add a rough FERS supplement estimate, check the basic FEHB continuation rules you entered, and project a TSP balance through separation. Each result explains its assumptions and links the calculation to official OPM guidance. Pensora's FERS tool covers regular, non-disability service. Special-category employees, CSRS components, disability, VERA/RIF, military deposits, court orders, and final filing decisions require your agency benefits officer or OPM. COUNT DOWN TO YOUR LAST DAY OF WORK Set your retirement date and watch it get closer every day. See calendar days or working days — Pensora subtracts weekends, federal holidays, and your remaining vacation days, so the number is real. Put it on your Lock Screen and Home Screen with widgets, and start each morning with a new quote about the life you're building toward. KNOW YOUR BEST SOCIAL SECURITY CLAIMING AGE Claiming at 62 means a smaller check for more years. Waiting until 70 means a bigger check for fewer. Pensora compares your monthly benefit at every age, shows your break-even point on a clear chart, and handles spousal benefits correctly — including for couples deciding who should claim first. Enter the estimate from your Social Security statement and see the whole picture in under a minute. CALCULATE YOUR RMD IN SECONDS Once you turn 73, the IRS requires minimum withdrawals from your IRA or 401(k) — and the penalty for missing one is steep. Enter your age and balance, and Pensora shows this year's required amount using the current IRS tables, with your deadline clearly marked. Pensora Premium keeps planning work reusable: save individual or household scenarios, compare couples claiming strategies, export sourced FERS, Social Security, and RMD PDF reports, and schedule annual rule-review and RMD deadline reminders. SHARE IT WITH THE PEOPLE WHO ASK Print or save your results as a clean PDF report — for your spouse, your kids, or your financial advisor. BUILT FOR PEACE OF MIND • No ads, ever • No account required — everything works the moment you open the app • Your numbers stay on your device; we never ask for your SSN or bank login • Your countdown and settings quietly back up through iCloud, so a new phone changes nothing • Purchases restore automatically on any of your devices Pensora is an independent app and is not affiliated with OPM, the Social Security Administration, the IRS, or any government agency. Calculations are educational estimates, not financial advice. Pensora Premium (monthly, yearly, or one-time lifetime purchase) unlocks sourced FERS PDF

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