Military Retirement Pay Calculator — 2026 Pay Tables
Calculate your military retirement pay under all four retirement systems: Final Pay (entered before Sept 8, 1980), High-3 (entered before Jan 1, 2018), Blended Retirement System/BRS (entered after Jan 1, 2018), and REDUX (opted into under High-3). Includes 2026 military base pay tables, COLA projections, Survivor Benefit Plan (SBP) costs, and VA disability offset analysis.
How Military Retirement Pay Is Calculated
Under High-3, your retirement pay is: (Years of Service × 2.5%) × average of your highest 36 months of base pay. A 20-year E-7 retiring in 2026 receives approximately 50% of their high-3 average. Under BRS, the multiplier is 2.0% per year instead of 2.5%, but includes automatic and matching TSP contributions up to 5%.
VA Disability Offset
Veterans with both military retirement and VA disability compensation may be eligible for Concurrent Retirement and Disability Pay (CRDP) or Combat-Related Special Compensation (CRSC), which eliminate or reduce the VA offset. This calculator shows the net impact on your total monthly income. See the CRDP vs CRSC Calculator for a detailed side-by-side comparison.
Survivor Benefit Plan (SBP)
SBP costs 6.5% of your selected base amount and pays your surviving spouse 55% of that base. This calculator shows the monthly cost and the benefit your spouse would receive. SBP premiums stop after 30 years of payments and reaching age 70.
Military Retirement Pay Calculator
All 5 branches — Army, Navy, Air Force, Marines & Coast Guard. Final Pay · High-3 · BRS · REDUX · Reserve/Guard — with CRDP, CRSC, SBP & VA offset
For estimation and educational purposes only. DFAS is the authoritative source for retired pay; the U.S. Department of Veterans Affairs is the authoritative source for VA compensation. Always verify your specific amounts with DFAS, VA.gov, or an accredited VSO.
Last updated May 1, 2026 · 2026 retired pay tables · BRS / Legacy / REDUX