PensionForge

New in 1.6.0: search everything — tools, Learn, glossary, your scenarios — a desktop Timeline with milestone details, and per-account spending reserves in Income Plan.

PensionForge models retirement projections for Florida public pension members — your pension benefit, DROP lump sum, contribution balances, and timeline, from your actual plan profile. It covers the Florida Retirement System (FRS) and Florida's local police and firefighter pension plans under Chapters 175 and 185, beginning with the City of St. Cloud.

Every FRS membership class is supported — Special Risk (fire, EMS, law enforcement, corrections), Regular Class (teachers, state and county employees), and everyone in between — plus supported Chapter 175/185 plans. Projections use the formulas and factors published for whichever plan you pick.

NEW — TIMELINE & INCOME PLAN Your retirement, mapped end to end. The Timeline orders every milestone — vesting, retirement eligibility, your DROP window, Social Security and Medicare ages, and the dates you set — each with the rule and statute behind it. Built in, the Income Plan sets a target annual income and tests whether it holds to any age you choose, simulating your pension, Social Security, and accounts year by year, including required minimum distributions. Find the highest income that holds, inspect every stream, and set your own withdrawal rate — no more fixed 4%.

SCENARIO MODELING Build and compare scenarios side by side — vary salary growth, retirement age, DROP timing, and contribution rates to see how each moves your projected pension, DROP balance, and total income.

THRESHOLD ALERTS Set alerts on any of 16 metrics and get notified when your projected pension crosses a target, your DROP balance hits a milestone, or a retirement date nears — evaluated daily via email and iOS notifications.

CALCULATORS Explore your pension benefit, Average Final Compensation, DROP projections, contribution balances, and relocation tax impact. Everything runs on-device — your data stays on your phone.

PDF REPORTS Export clean PDF reports — single scenario, comparison, or full portfolio. Share via AirDrop, Messages, Mail, or Files.

CALENDAR INTEGRATION Add milestone dates to your iOS Calendar.

LEGISLATIVE PULSE Track Florida legislation that could affect your pension benefits.

PensionForge is not a financial advisor and does not provide personalized advice. Projections are estimates from your inputs; consult a qualified professional for your situation.

FREE — explore every calculator, free forever. Create up to 2 saved scenarios, set 1 alert across 6 metrics, and export watermarked single-scenario PDFs. Includes every calculator, every Learn article, FRS and Chapter 175/185 support, and 457(b), 403(b), and Roth modeling.

PENSIONFORGE PRO ($8.99/month or $79.99/year) — unlimited modeling and reports. Connect your financial accounts to sync balances. Unlimited scenarios and alerts across all 16 metrics. Model your spouse and household income — combine pensions, DROP, and accounts. Export comparison, portfolio, household, and watermark-free PDFs.

Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the period ends; your account is charged within 24 hours prior to renewal. Manage or cancel anytime in App Store Account Settings.

Terms of Use: https://pensionforge.com/terms Privacy Policy: https://pensionforge.com/privacy

INDEPENDENT & NOT GOVERNMENT-AFFILIATED PensionForge is an independent product developed by PensionForge LLC. It is not affiliated with, endorsed by, or connected to the Florida Retirement System, the Florida Division of Retirement, the State Board of Administration, any Chapter 175/185 municipal police or firefighter pension plan or its board (including the City of St. Cloud Police Officers' & Firefighters' Retirement System), or any government entity. Projections are computed from formulas and actuarial factors published in Florida Statutes Chapters 121, 175, and 185, the FRS Annual Report, and each plan's governing documents. Source data is public at https://www.myfrs.com.