Military Divorce Pension Calculator
Calculate the division of military retired pay in divorce using the USFSPA marital fraction formula. See how years of marriage, service overlap, and division percentage affect the ex-spouse's share.
Service & Marriage
Pension Details
Division Terms
Retained Pay Score
The pension division is moderate. Consider supplementing your retained pay with TSP, IRA, or other savings to ensure comfortable retirement.
You Retain
$2,240/mo
Ex-Spouse Receives
$960/mo
Marital Fraction
60%
12 / 20 years
Ex-Spouse Share
$960
$11,520/year
Your Retained Pay
$2,240
70% of disposable pay
DFAS Max (50%)
$1,600
Not exceeded
Monthly Pension Division
How your disposable retired pay is divided
Total
$3,200
Retained Pay
70%$2,240/yr
Ex-Spouse Share
30%$960/yr
Division Percentage Comparison
How different division percentages affect the split
Marital Fraction Breakdown
The USFSPA formula used by courts to divide military pensions
Personalized Insights
Actionable recommendations based on your numbers
Marital fraction: 60%
12 of your 20 service years overlapped with marriage. The marital fraction determines what portion of your pension is considered marital property for division.
You retain 70% of disposable pay
You keep $2,240/month after the division. Consider whether this is sufficient for your retirement needs and whether supplemental income sources are needed.
Lifetime division: $688,136
Over 37 years with 2.5% COLA, your ex-spouse would receive approximately $688,136 total. You would retain approximately $1,605,646 over the same period.
10/10 Rule applies: DFAS direct payments
With 12 years of marriage overlapping service (10+ years), DFAS can pay your ex-spouse directly from your retired pay. Without 10 years of overlap, the member would be responsible for making payments directly.
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