Terms of Use
Creditable · Last updated October 13, 2026
Creditable is published by GrayBear Studio. The app is licensed to you, not sold.
License
Your use of Creditable is governed by Apple's Licensed Application End User License Agreement (the standard EULA). GrayBear Studio is the licensor named in that agreement. The points below add to it and do not replace it.
Not financial, tax or legal advice
Creditable produces scenario estimates for planning and education. It does not recommend any action. Consult a qualified financial, tax or legal professional before making decisions.
Estimates only
Results depend on the information you enter and on assumptions about inflation, tax law, investment returns and benefit rules, which can change. Actual pay, benefits and taxes may differ.
Not affiliated or endorsed
Creditable and GrayBear Studio are not affiliated with, endorsed by or sponsored by the Department of Defense, any military service, the Defense Finance and Accounting Service, the Department of Veterans Affairs, the Social Security Administration, the Office of Personnel Management or the Thrift Savings Plan.
Verify before acting
Confirm retirement pay, Survivor Benefit Plan, VA and Social Security figures with the official source before making an election, many of which cannot be undone.
Privacy
How the app handles your information is described in the Creditable Privacy Policy.
Changes
If these terms change, we will update the date above and post the new version on this page.