Military Retirement Calculator
High-3 × years × multiplier — High-36 vs BRS sketch, not a DFAS award. Click any i for detail.
Service
High-3 average ($)
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High-3
Average of highest 36 months of basic pay (educational input). |
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|---|---|
Years of service
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Years
Creditable years toward retired pay. Partial years as a decimal. |
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Multiplier (%)
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Multiplier
Legacy High-36 is often 2.5% per year. Blended Retirement System (BRS) is 2.0% plus TSP — model 2.0 here. |
How to use this calculator
- Enter high-3 basic pay.
- Enter years.
- Pick 2.5% or 2.0%.
- Read annual and monthly sketches.
Results explained
Annual = high-3 × years × (multiplier ÷ 100). Monthly = annual ÷ 12. FERS civilian pensions use a different (1% / 1.1%) page.
Quick reference: military retired pay
20 years × 2.5% = 50% of high-3 in the legacy sketch.
| Item | Detail |
|---|---|
| High-36 | 2.5% × years |
| BRS | 2.0% × years + TSP |
| 20 years High-36 | 50% of high-3 |
| FERS civilian | See FERS calculator |
Disability and concurrent receipt rules are outside this model.
How the estimate is built
annual = high-3 × years × multiplier%.
Example scenario
$72,000 high-3, 20 years, 2.5% → $36,000/year (~$3,000/month).
FAQ
BRS lump continuation pay?
Not modeled.
Reserve points?
Convert to equivalent years the way your service does, then enter years.
VA waiver?
Can reduce DoD pay — not in this sketch.