Military Retirement Calculator
Compare pension formulas and understand the assumptions behind each scenario.
Your retirement scenario
A single 2026 rate is a planning reference, not your actual highest 36-month average.
Enter your actual highest 36-month average. The entered amount controls this pension estimate.
COLA & present-value assumptions
High-3 pension
Active-duty scenario$33,600 per year · before taxes
- Pension pay base
- $5,600.00
- Cumulative through age 67
- $840,000
- Cumulative through age 80
- $1,276,800
- Present value through age 80
- $755,747
0% annual COLA; 3% annual discount rate. Monthly pension is rounded down to whole dollars under 10 U.S.C. 1412. Year-end payments assumed for totals. SBP, disability offsets and taxes are excluded.
Not affiliated with the U.S. Department of Defense, DFAS, or any military service. Figures are for information only — your LES is the authoritative source.
Compare retirement systems
Explore BRS with TSPA comparison, not a recommendation.
This calculator models regular active-duty retirement after at least 20 years. It compares formulas using your entered pay base. Reserve points, REDUX, disability retirement and individual eligibility are outside this model.