ClearToRetire

A major update — deeper TSP modeling, retirement-type support, leave payouts, and PDF reports. TSP • Model your Traditional vs Roth split with three withdrawal strategies (Proportional, Traditional-First, Roth-First) plus a Custom Mix for bracket-bridging • IRS 10% early-withdrawal penalty now modeled — with Rule of 55 and Public Safety Officer exemptions, calculated to the exact 59½ date • Catch-up contribution limits built in (50+ and the SECURE 2.0 "super catch-up" for ages 60–63) • Required Minimum Distributions (RMD) at age 73/75 Retirement types • Choose Immediate, MRA+10 Postponed, or Deferred — eligibility, FEHB, the FERS Supplement, sick-leave credit, and your multiplier all adjust accordingly Leave at retirement • Your unused annual leave is modeled as a lump-sum cash payout; sick leave as added service credit • ATC: new NATCA sick-leave buy-back option — compare taking 40% cash vs. the lifetime annuity value Taxes & accuracy • New year-by-year tax breakdown showing federal, state, and penalty by year, with markers at SS start, Medicare, RMD, and penalty-end • VA disability COLA now follows the official SS/VA COLA automatically, with an override for custom rates • Public Safety Officer $3,000 healthcare tax exclusion PDF reports • Export full, timeline, and comparison PDF reports — now including TSP strategy comparison and eligibility/tax-rule pages Plus full Android feature parity and accuracy refinements throughout.