Military Redux Retirement Calculator
Compare the Redux retirement system against the High-3 system. Analyze the $30,000 Career Status Bonus with the reduced 2.0% multiplier and COLA minus 1% to determine which system provides more total lifetime value.
Military Service Details
Personal Details
Career Status Bonus Investment
Redux Advantage Score
Based on your inputs, the High-3 system provides greater total lifetime value. The higher multiplier and full COLA outweigh the $30K bonus.
Redux Monthly
$2,600
High-3 Monthly
$3,250
Redux Monthly Pension
$2,600
40% multiplier
High-3 Monthly Pension
$3,250
50% multiplier
Bonus Future Value
$42,077
$30K at 7%
Lifetime Difference
$220,431
High-3 advantage
High-3 Total Value Wins
High-3's higher 2.5% multiplier and full CPI COLA produce $220,431 more in cumulative income through age 82. Break-even age is 46.
Cumulative Income: Redux vs High-3
Total lifetime value including invested Career Status Bonus
Personalized Insights
Actionable recommendations based on your numbers
High-3 Outperforms Redux
The High-3 system produces $220,431 more in cumulative lifetime income. The reduced 2.0% multiplier and lower COLA outweigh the $30,000 bonus over time.
Monthly Pension Difference
Under High-3 you would receive $3,250/mo vs Redux at $2,600/mo -- a difference of $650/mo at retirement.
Career Status Bonus Value
The $30,000 bonus received at 15 years of service, invested at 7%, grows to $42,077 by retirement. This amount offsets the lower pension multiplier.
Break-Even Age: 46
High-3 cumulative income overtakes Redux (including invested bonus) at age 46. If you expect to live beyond this age, High-3 is the financially stronger option.
Redux COLA Reduction
Redux COLA is CPI minus 1% (currently 2.0% vs High-3's 3%). At age 62, there is a one-time catch-up to full CPI, then it reverts to CPI minus 1%. This compounds significantly over a long retirement.
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