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See your whole retirement in one place. This projects your pension (BRS or High-3), grows your TSP to your retirement date, adds your VA disability, and nets the tax, so you get one honest monthly-income number, not three calculators to stitch together.
Sources: DoD — Military retired pay (High-3 / BRS), TSP.gov — 2026 contribution limits, VA — 2026 disability compensation rates
Elect a base amount to leave a survivor annuity. A 6.5% premium comes out of your pension.
TRICARE and VGLI premiums come out of your check after tax. Add them for a true net take-home.
Estimated monthly retirement income at 20 years
$3,101/mo
≈ $3,059/mo after estimated federal tax · $37,209/yr
Monthly pension
$2,480
40% of base
TSP draw (4%/yr)
$621
$186,237 balance
VA disability
$0
tax-free
Lifetime value
$1,530,029
over 30 yrs
Projected balance from year 10 to 20 of service, including the 5% BRS match. $6,360/yr in contributions + match at 7%.
How it is built: pension = your system multiplier (BRS 2.0%/yr, High-3/Final 2.5%/yr) × High-3 base, in today's dollars. TSP is grown from your balance + contributions + the BRS match at your chosen return, then drawn at the 4% rule. VA compensation is tax-free. Federal tax is estimated on the pension and traditional-TSP withdrawal.
Assumptions you can change: return rate, Roth split, COLA, years in retirement, filing status, and SBP election. The pension is shown in today's dollars; the TSP balance is a nominal projection. Guard/Reserve uses points ÷ 360 as equivalent years and pays from age 60. REDUX shows the age-62 recomputation but not its COLA-minus-1% drag. Concurrent receipt is modeled for CRDP (20+ years AND a 50%+ rating stack fully; otherwise retired pay is waived dollar-for-dollar for tax-free VA). CRSC (combat-related, by application) is not modeled and may raise your total. The reduced reserve age for post-2008 service is not modeled.
Retiree costs: TRICARE enrollment fees are the 2026 retiree figures from the DHA TRICARE 2026 Costs and Fees fact sheet; VGLI premiums use the VA rate table effective July 1, 2025. Only the fixed enrollment fee / premium is modeled (deductibles and copays vary by use). Both are deducted from after-tax income.
Estimate only — not financial advice. Confirm with a personal financial counselor (free on base / Military OneSource) and DFAS before decisions.
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Want the pieces on their own? Use the retirement systems calculator, the TSP calculator, or check VA disability rates.