Blended Retirement System Calculator
Calculate your BRS benefits including the reduced 2.0% pension multiplier, TSP matching contributions, and continuation pay. See how all three components combine for your total military retirement income.
Military Service Details
Thrift Savings Plan (TSP)
Continuation Pay
BRS Retirement Score
Your BRS benefits provide a solid foundation. Consider increasing TSP contributions to maximize the government match and build a larger nest egg.
Total Monthly
$4,397
TSP at Retirement
$269,875
Monthly Pension
$3,497
40% of base pay
Monthly TSP Income
$900
4% of $269,875
Total Monthly Income
$4,397
$52,764/year
Continuation Pay
$26,000
4x monthly pay
Government TSP Match: 5% of Base Pay
With your 5% contribution, the government provides a 5% match (1% automatic + 4.0% matching). That is $$3,900/year in government contributions, adding $325/mo to your TSP.
BRS Retirement Income Over Time
Pension income and TSP withdrawals through retirement
Personalized Insights
Actionable recommendations based on your numbers
Maximizing TSP Match
You are contributing 5% to TSP, which captures the full government match of 5% (1% automatic + 4.0% match). This is $3,900/year in free money.
BRS Pension Component
With 20 years of service at the 2.0% multiplier, your pension replaces 40% of your base pay. That is $3,497/mo. Under the legacy High-3 system, this would be 50.0%.
TSP Balance at Retirement
Your TSP is projected to reach $269,875 by retirement at age 40. At a 4% withdrawal rate, this provides $900/mo in additional retirement income.
Continuation Pay at Year 12
BRS includes continuation pay of 4x monthly base pay ($26,000) at 12 years of service. This is a one-time bonus in exchange for an additional service commitment. Multipliers range from 2.5x to 13x depending on service branch and specialty.
Pension-Heavy Income Mix
Your retirement income is 80% pension and only 20% TSP. Consider increasing TSP contributions to build a larger portable, inheritable nest egg that supplements the reduced BRS pension.
Lifetime Retirement Value
Your total projected retirement income through age 82 is $4,327,174. This combines your BRS pension with COLA adjustments and TSP withdrawals over 42 years.
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