Reserve Retirement Calculator
Estimate your military reserve retirement pay based on total retirement points, high-3 base pay, and COLA adjustments. Points come from drills (1 point per drill), active duty (1 point per day), and annual membership (15 points).
Retirement Points & Service
Future Service Projection
COLA & Retirement Duration
Reserve Pension Score
Your reserve pension provides a decent foundation. Supplement with savings and Social Security for a more comfortable retirement.
Monthly Pension
$1,458
Total Points
2,800
Monthly Pension
$1,458
$17,500/year
Retirement Points
2,800
19.4% multiplier
Lifetime Pension
$560,530
over 25 years
Pension Starts
Age 60
Standard age
Reserve Pension Over Time
Annual pension payments with COLA adjustments through retirement
Personalized Insights
Actionable recommendations based on your numbers
Moderate reserve pension: $1,458/month
Your reserve pension of $1,458/month is a valuable benefit, but you will likely need additional retirement income from savings, Social Security, or other sources.
High point accumulation: 140 pts/year average
You are averaging 140 retirement points per year, which is well above the typical reserve member average. Active duty orders and consistent drill attendance are paying off.
2% COLA protects your purchasing power
Military retired pay receives annual COLA adjustments. By year 20, your pension grows from $17,500/year to approximately $26,004/year.
Starting pension at the standard age of 60
Age 60 is the standard eligibility age for reserve retirement. You will begin collecting your pension at the earliest standard date.
20+ qualifying years of service met
With 20 years of creditable service, you have met the minimum 20-year requirement for reserve retirement eligibility. Your pension is locked in once you reach retirement age.
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