See exactly what you'll bring home in retirement.

⚠️ Educational estimate. Retired pay is computed from the 2026 active-duty basic pay tables using a high-3 average (the average of your final three years of basic pay) times your retirement multiplier — 2.5%/year for High-3 and Final Pay, 2.0%/year for BRS. Your actual high-3, promotion timing, and DFAS pay may differ. Federal tax uses the exact 2026 brackets and standard deduction. State tax uses each state's 2025 graduated brackets (or flat rate) and standard deduction, plus the correct military-retirement treatment — but bracket thresholds shift yearly and married-filing-jointly brackets are approximated, so the state figure is an estimate. States that exempt all retirement income (PA, IL, MS, IA) treat your TSP as tax-free too, and many states' senior retirement-income exclusions (AL, AR, CO, CT, DE, GA, KY, LA, ME, MI, NJ, NY, OK, RI, SC, VA, WV) are applied using the age, filing status, and income you enter — including age thresholds, joint-filer amounts, and income limits/phase-outs where they apply. A few states with complex or income-limited exclusions (e.g. MD, MO) aren't modeled, so their figure is conservative — your actual tax may be lower. Partial-exemption military-retirement states are treated as fully exempt — verify your state's age/income threshold. VR&E's Post-9/11 BAH-election rate uses the official 2026 DoD housing-allowance table by ZIP code; the standard flat Chapter 31 rate is used if your ZIP isn't in that table. SMC levels above K use each level's "veteran alone" rate — dependent add-ons for SMC-L and higher aren't modeled, so your actual payment may be higher. CRSC/CRDP eligibility is case-by-case. VetOps is not VA, DFAS, the IRS, or a financial or tax advisor — confirm with DFAS and a tax professional before making a retirement decision.