Paygrade calculates military retirement pay across all four plans—High-3, BRS, Final Pay, and CSB/Redux—with SBP premiums, VA offset, and state tax estimates. All six branches. No guesswork.
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Paygrade doesn't make you figure out which plan applies to you—it determines that from your entry date (DIEMS) and calculates accordingly, with a side-by-side breakdown if you want to compare.
The standard plan for most service members. Pension based on the highest 36 months of base pay, multiplied by years of service.
The current default for members who entered after January 1, 2018. Smaller pension multiplier, but the government matches up to 5% of TSP contributions.
For members who entered before September 8, 1980. Pension based on final month's base pay—typically the most generous plan.
A reduced-multiplier plan that came with a $30,000 Career Status Bonus at 15 years. Still relevant for members who took it.
Retirement pay is just the start. Paygrade factors in the things that actually change what you take home.
Gross and net retirement pay — monthly and annual, before and after taxes and SBP premiums.
Survivor Benefit Plan (SBP) — monthly premium and coverage amount at 25%, 50%, or 55%, with spouse age factored in.
State tax estimates — all 50 states, including the states that exempt military retirement pay entirely.
VA disability offset — accounts for concurrent receipt (CRDP) and how VA compensation interacts with retirement pay at your rating.
BRS TSP projection — estimates TSP balance growth based on your contribution rate and years to retirement.
Active duty pay tables cover every branch for 2025 and 2026. Reserve and Guard point-based retirement is in a future version.
Built by a Marine Corps veteran, for service members who want real numbers before they make retirement decisions.