Military Retirement Calculator
Estimate your military retired pay under the High-3, Redux, or Blended Retirement System (BRS). See how years of service, base pay, TSP savings, and COLA adjustments shape your total retirement income.
Service Details
TSP (Thrift Savings Plan)
Cost-of-Living Adjustment
Military Retirement Score
Your military retirement is solid but may benefit from additional savings or post-service income.
Monthly Retired Pay
$3,750
Income Replacement
70%
Monthly Retired Pay
$3,750
50% of base pay
TSP Monthly Income
$1,499
from $250,000 balance
Total Monthly Income
$5,249
$62,988/year
Replacement Rate
70%
Target: 80%
Retired Pay Projection with COLA
Annual military retired pay adjusted for cost-of-living increases over retirement
Personalized Insights
Actionable recommendations based on your numbers
Moderate Income Replacement
Your retirement income replaces 70% of your pre-retirement salary. Consider boosting TSP contributions to close the gap to 80%.
High-3 System Advantage
The High-3 system provides 2.5% per year of service with full CPI COLA. Your 20 years yield a 50% multiplier applied to your highest 36 months of base pay.
Lifetime Retired Pay Value
Over 30 years, your military retired pay with COLA adjustments totals approximately $1,975,621. This does not include TSP withdrawals.
COLA Protects Purchasing Power
At 2.5% annual COLA, your retired pay grows from $45,000/year initially to approximately $92,088/year by year 30.
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