Compare your retirement pay under the Blended Retirement System (BRS) and High-3 legacy plan. Get accurate monthly and annual estimates based on 2025 pay tables.
The BRS combines a reduced pension multiplier (2.0%) with automatic and matching TSP contributions up to 5%. Ideal for members who may not serve a full 20 years.
The traditional military pension uses a 2.5% multiplier against the average of your highest 36 months of base pay. Available to members who entered service before January 1, 2018.
Based on 2025 active duty pay tables for E-5 through O-10
Project your TSP balance with government matching and compound growth
Understand SBP costs and how they affect your net retirement income
See how VA disability compensation interacts with retirement pay
Concurrent Retirement and Disability Pay calculations
Compare BRS and High-3 outcomes to make informed decisions
Active duty members become eligible for retirement after 20 years of creditable service. Under BRS, you receive 40% of your High-3 base pay at 20 years, increasing 2% per additional year. Under the legacy High-3 system, you receive 50% at 20 years, increasing 2.5% per year. Both systems provide annual COLA adjustments, though BRS uses a reduced COLA formula with a catch-up at age 62.
Members medically retired with fewer than 20 years receive either a percentage-based or disability-based calculation, whichever is higher. The calculator accounts for all these scenarios.
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