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.
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%.
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.
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.