Military Financial Calculators
Free tools using official DoD, VA, and DTMO data. No account required. All calculations run in your browser.
Active Duty & Guard/Reserve
Total Military Compensation Calculator
See your complete military pay package — not just base pay. Includes BAH by ZIP code, BAS, tax advantage breakdown, BRS matching, and civilian salary equivalent.
- All ranks E-1 through O-10
- 40,959 ZIP codes
- Tax-free allowance calculation
- Civilian equivalent salary
BAH Calculator
Look up your 2026 Basic Allowance for Housing by duty station ZIP code, pay grade, and dependency status. Compare two locations side by side for PCS planning.
- All 40,959 U.S. ZIP codes
- 299 military housing areas
- PCS comparison mode
- With and without dependents
TSP Growth Projector
Project your Thrift Savings Plan balance at retirement with BRS matching, fund allocation across G/F/C/S/I funds, and Roth vs Traditional comparison.
- BRS matching calculator
- 5 TSP fund allocations
- Roth vs Traditional comparison
- Retirement income estimate
Military Retirement Calculator
Estimate your pension under High-3 or BRS using 2026 pay tables. See lifetime pension value, TSP projection, CRDP eligibility, and the civilian salary you'd need to replace it.
- High-3 and BRS pension math
- Live TSP growth projection
- Lifetime value with COLA
- CRDP eligibility check
PCS Cost Estimator
Estimate total PCS entitlements — DLA, MALT mileage, per diem, TLE, and PPM/DITY profit potential. Compare government move vs. self-move to see which puts more money in your pocket.
- DLA by rank and dependency status
- MALT mileage + travel days
- PPM profit after expenses and tax
- Government vs. PPM comparison
Deployment Pay Calculator
Calculate your pay increase during deployment — HFP/IDP, Hardship Duty Pay, FSA, Combat Zone Tax Exclusion savings, and Savings Deposit Program interest. Before vs. during vs. tour total.
- CZTE tax savings (enlisted & officer)
- SDP 10% guaranteed return
- HFP/IDP + HDP + FSA modeling
- TSP combat zone contribution limit
Guard & Reserve
Guard & Reserve Pay Calculator
Estimate total annual Guard/Reserve compensation — drill pay (MUTA-4/6/8), Annual Training income, Tricare Reserve Select healthcare savings, and BRS government TSP matching.
- MUTA-4, MUTA-6, MUTA-8 schedules
- AT and additional duty pay
- TRS vs. civilian insurance comparison
- BRS matching during active duty periods
Allowances & Entitlements
CONUS COLA Calculator
Check if your duty station qualifies for Continental U.S. Cost of Living Allowance and see approximate monthly rates by pay grade. Covers approximately 18 qualifying high-cost locations.
- ZIP code eligibility lookup
- Approximate rates by grade group
- High/moderate-high/moderate cost tiers
- DTMO official rate verification link
Duty Station Comparison Calculator
Compare total compensation between two CONUS duty stations side by side. Shows BAH difference, CONUS COLA eligibility, estimated state income tax, and real take-home pay at each location — the financial answer to "Should I take these orders?"
- Side-by-side BAH comparison by ZIP code
- State income tax impact (9 no-tax states)
- CONUS COLA eligibility for both stations
- Estimated monthly and annual take-home difference
Veterans
VA Disability Combined Rating Calculator
Calculate your combined VA disability rating using the official whole-person formula. See every step of the math, including bilateral factor, and estimate your monthly compensation.
- Step-by-step math breakdown
- Automatic bilateral factor
- 2026 compensation rates
- Scenario builder for additional conditions
Education & Transition
Education Benefits Comparison Calculator
Compare Post-9/11 GI Bill, VR&E (Chapter 31), Tuition Assistance, and Montgomery GI Bill side by side. See total program value by school ZIP code, tuition, and eligibility tier.
- GI Bill MHA by school ZIP code
- VR&E no-cap tuition comparison
- TA vs. GI Bill sequencing strategy
- Total program value over 2 or 4 years
Reference Tables
2026 Military Pay Charts
Browse the complete 2026 DFAS pay tables for all ranks and years of service. Use the quick lookup to find your pay rate instantly, or scroll through enlisted, warrant officer, and officer tables.
- All ranks E-1 through O-10
- Warrant officers W-1 through W-5
- 3.8% raise applied (Jan 1, 2026)
- Monthly and annual toggle
Data sources
All calculators use official 2026 rate data: DFAS military pay tables, DTMO BAH rates, VA disability compensation rates (effective December 1, 2025, 2.8% COLA), and IRS/TSP contribution limits. Rates update annually — data year is always displayed on each calculator.