Military Retirement Pay Calculator
Calculate your monthly military retired pay after taxes and deductions. See how your rank, years of service, disability rating, and state taxes affect your net take-home pension.
Pay & Service
Taxes & Disability
Retired Pay Adequacy Score
Your retired pay provides a moderate income. Supplement with TSP, Social Security, or civilian employment for full coverage.
Net Monthly Pay
$2,737
Effective Tax Rate
27%
Gross Monthly Pay
$3,750
50% multiplier
Net Monthly Pay
$2,737
$32,844/year
Total Monthly Taxes
$1,013
27% effective rate
Disability Exclusion
$0
No VA rating
Monthly Pay Breakdown
Detailed breakdown from gross retired pay to net take-home
Gross Pay Breakdown
How your gross retired pay is divided between take-home, taxes, and deductions
Total
$3,750
Net Pay
73%$2,737/yr
Federal Tax
22%$825/yr
State Tax
5%$188/yr
Personalized Insights
Actionable recommendations based on your numbers
Moderate Net Retired Pay
Your net monthly pay of $2,737 covers basic expenses but may need supplementing with TSP withdrawals, Social Security, or civilian employment income.
No Disability Exclusion
Your full retired pay is subject to federal and state income taxes. If you have service-connected disabilities, filing a VA claim could provide tax-free compensation.
High-3 Multiplier: 50%
The High-3 system gives you the highest multiplier at 2.5% per year. With 20 years, your 50% multiplier is applied to your highest 36-month average base pay.
High Effective Tax Rate
Your effective tax rate of 27% on gross retired pay is significant. Consider relocating to a state with no income tax on military retirement to save $188/month.
Annual Take-Home
Your annual net retired pay totals $32,844, with $12,156/year going to taxes. This does not include other military benefits like TRICARE, commissary access, or VA benefits.
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