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Military retirement planning

Military Retirement Pay Calculator

Estimate a simplified active-duty military pension under the Blended Retirement System or legacy High-36 plan.

What you enter

Inputs

  • Retirement plan
  • Average monthly high-36 basic pay
  • Creditable years of service

What it estimates

Results

  • Retired-pay multiplier
  • Estimated monthly pension
  • Estimated annual pension

Interactive tool

Enter your information.

06

Career planning

Military retirement-pay estimator

Estimate the defined-benefit pension using an average monthly high-36 basic-pay amount. The BRS pension multiplier is 2.0% per creditable year; the High-36 multiplier is 2.5%.

Retired-pay multiplier40.0%20.0 years × 2.0%
Estimated monthly pension$2,000.00Before taxes, elections and deductions
Estimated annual pension$24,000.00Monthly estimate × 12

This simplified active-duty estimate excludes TSP value, continuation pay, lump-sum elections, Reserve retirement points, REDUX, disability retirement and future COLA adjustments.

Official DoD retirement-plan guidanceLast verified: August 12, 2026

Read the result carefully

Limits and next steps.

  • The estimate excludes TSP value, COLA changes and lump-sum elections.
  • Reserve retirement and disability retirement require different calculations.
  • Use official retirement counseling for a personal estimate.
Official DoD Blended Retirement System guidancePage last reviewed: August 21, 2026

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