Military Retirement Pay Estimator

Core Inputs

Pay Grade Current or projected retirement grade. Retirement Plan Depends on when you entered service.

Pay Entry Base Date (PEBD) If set, YOS auto-calculates. Planned Retirement Date With PEBD, auto-calculates Retire At YOS. High-36 Average (optional) Leave blank to estimate from DFAS tables.

Years of Service Auto-filled when PEBD is set. Months of Service Additional months beyond full years. Retire At YOS Auto-filled when both dates are set.

If you leave High-36 blank, the calculator estimates the High-36 average from the final 3 YOS bands in the DFAS pay table for your grade.

Estimated Retirement Pay

Ready

Monthly Retired Pay

Pension Multiplier

Basic Pay (DFAS Table)

After-Tax Retirement Pay

Estimate

Filing Status Affects federal tax bracket thresholds. State Some states fully exempt military retirement. Other Annual Income (optional) Wages, investments, etc. combined with retirement.

Est. Federal Tax (Monthly)

Est. State Tax (Monthly)

After-Tax Monthly Pay

Total Annual Tax Liability

Total Annual Income

Total After-Tax Monthly Income

Federal taxes use 2024 brackets with the standard deduction. State taxes use a simplified flat or top-marginal rate. Many states fully or partially exempt military retirement pay. VA disability compensation is tax-free and not included in taxable income. This is a rough estimate — consult a tax professional for your specific situation.

Expected Retirement Date

Estimate

Projected Retirement Date

—

Time Remaining

—

Based on Retire At YOS and PEBD (or current date).

BRS Lump Sum Comparison

Optional

Lump Sum Election Retirement Age Discount Rate (annual %)

Estimated Lump Sum

Monthly Pay Until Age 67

Reduced by the lump-sum percentage.

Monthly Pay At/After 67

Returns to full retired pay.

BRS TSP Government Matching

BRS Only

Your TSP Contribution (% of basic pay) Government matches up to 5% (1% auto + 4% match). Estimated Annual Return (%) Years Until Retirement Auto-calculated from your service inputs.

Government Contribution (Monthly)

Auto 1% + match (up to 4%).

Total Gov. Contributions to Retirement

Sum of all government contributions.

Projected TSP Balance at Retirement

Your + government contributions with compound growth.

VA Disability Compensation

Optional

VA Disability Rating (%) Enter 0 for none. Ratings: 0–100% in increments of 10. Number of Dependents

VA compensation rates are approximate (2024 base rates). Actual amounts depend on individual circumstances. CRDP requires 50%+ VA rating with 20+ YOS. CRSC applies to combat-related disabilities regardless of rating.

40-Year Retirement Pay Outlook

Per Annum

Estimated Annual COLA (%)

Annual pay is based on the estimated monthly retired pay, compounded by the COLA percentage each year for 40 years. Set COLA to 0 for a flat projection.

Terminal Leave vs. Sell-Back

Estimate

Leave Days to Use/Sell Monthly BAH (optional) Monthly BAS (auto-filled)

Terminal Leave Value

Uses basic pay + BAH + BAS.

Sell-Back Value

Uses basic pay only (max 60 days).

Difference

Terminal leave minus sell-back.

DFAS allows sell-back of up to 60 days of leave over a career. Terminal leave is taken as normal leave but you do not return to duty. This calculator uses a daily rate of 1/30 of monthly pay for estimates. BAS defaults to the DFAS 2026 rate for enlisted or officer grades unless you override it.