Shipmate's Perspective

I knew I wasn't going to make Admiral. But as I approached the 20-year mark, I often wondered if it's best for me to stay or retire. So many factors to consider and weigh. But despite the calculation showing a near tie in money, it was illuminating to see real numbers. And yes, I retired at 20 years.

Sources: DFAS 2026 pay tables; 10 U.S.C. Chapter 71 (retired pay); VA.gov 2026 disability compensation rates; TSP.gov (contribution limits and matching); SSA.gov (Social Security estimates). See full sources.

Built by a retired U.S. Navy Commander. Page 214™ decodes the regulations and synthesizes the information so you don't have to. All tools are free, all calculations run in your browser, and no data is ever collected.

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