Retirement calculator with military pension and social security

Retirement calculator with military pension and social security

The return home from combat can often leave servicemembers feeling out of place with the most important people in their lives - their families.

"In deployment, Soldiers grow accustomed to a new lifestyle and a new 'family' - those buddies that bond together to defend each other," said Maj. Ken Williams, 14th Military Police Brigade chaplain. "This lifestyle change is prolonged and becomes familiar, i.e., the new normal."

The families also change while the Soldier is deployed.

"The family is a system," Williams said. "When one family member is absent, the whole system changes. All members of the family adapt to a new 'normal' way of life."

When the servicemember returns, the family may feel uncomfortable with each other, and the servicemember may withdraw from the family.

Retirement calculator with military pension and social security

The return home from combat can often leave servicemembers feeling out of place with the most important people in their lives - their families.

"In deployment, Soldiers grow accustomed to a new lifestyle and a new 'family' - those buddies that bond together to defend each other," said Maj. Ken Williams, 14th Military Police Brigade chaplain. "This lifestyle change is prolonged and becomes familiar, i.e., the new normal."

The families also change while the Servicemember is deployed.

"The family is a system," Williams said. "When one family member is absent, the whole system changes. All members of the family adapt to a new 'normal' way of life."

When the servicemember returns, the family may feel uncomfortable with each other, and the servicemember may withdraw from the family.

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Find information on basic pay, pensions, and retirement benefits for service members, veterans, and military retirees, including whom to contact with questions and concerns.

On This Page

  • Military and Retiree Pay Information
  • Pension Benefits for Military Retirees
  • VA Disability Compensation Benefits
  • VA Pensions for Veterans and Survivors With a Low Income

Military and Retiree Pay Information

Find military pay charts, military retirement calculators, and contact information for problems with military and retiree pay.

Military Pay Charts and Military Retirement Calculators

Visit Military Compensation to find military retirement calculators and to get the latest information on

  • Military pay

    • 2022 Active Duty Basic Pay chart

    • 2022 Reserve Drill Pay chart

  • Benefits

  • Taxes

Military and Retiree Pay Problems

Department of Defense (DOD) Active Duty, Reservists, and Retirees 

If you’re on active duty or in the Reserve, contact your post or base finance office first for questions about your military pay. 

For additional help, contact the appropriate Defense Finance and Accounting Service (DFAS) office:

  • Air Force, Army, Marine Corps, Navy, Space Force active duty or Reserve – Call 1-888-332-7411

  • Retiree, survivor, or beneficiary – Call 1-800-321-1080

  • Former spouse or creditor with a question about alimony, child support, and other court-ordered garnishment– Call 1-888-332-7411​

Coast Guard Active Duty, Reservists, and Retirees

  • If you’re active duty or in the Reserve, contact your unit administrative yeoman for questions about your military pay. 

  • Coast Guard retirees should contact the Coast Guard Pay & Personnel Center. Call 1-866-772-8724

Pension Benefits for Military Retirees

The military has two retirement systems:

  • The new Blended Retirement System (BRS)

  • The legacy High-3 system

Which plan you fall under depends on when you joined the military and whether you chose to opt-in to the BRS.

Enrollment in the BRS Depends on When You Joined the Service

  • If you joined before January 1, 2006, you remained in the legacy retirement system.

  • If you joined the service on or after January 1, 2018, you were automatically enrolled in the BRS.

  • If you joined between January 1, 2006, and December 31, 2017, you could stay in the legacy system or enroll in the new one. The last day to enroll in the BRS plan was December 31, 2018.

Blended Retirement System (BRS)

The Blended Retirement System went into effect on January 1, 2018. It includes:

  • Matching Thrift Savings Plan contributions

  • Mid-career retention bonuses

  • A monthly annuity for life after 20 years of service. The annuity is based on a calculation of 2% per year served. The legacy retirement annuity is based on 2 ½% per year served.

Calculate your pension under the BRS.

Legacy High-3 (High-36) System

Service members in the legacy High-3 system must have begun their service by December 31, 2017. Also called High-36 or “military retired pay,” this is a defined benefit plan.

  • You’ll need to serve 20 years or more to qualify for the lifetime monthly annuity.

  • Your retirement benefit is determined by your years of service. It’s calculated at 2.5% times your highest 36 months of basic pay.

  • Thrift Savings Plan contributions are not matched by the government.

Calculate your pension under the legacy High-3 System.

Military Retirees and Pension Benefit Questions

If you ’re a military retiree with questions about your benefits, contact your branch of service:

  • Army, Air Force, Marine Corps, or Navy: Contact the Defense Finance and Accounting Service (DFAS)

  • Coast Guard: Contact the Coast Guard Pay & Personnel Center

Pension Taxes

You may not have to pay federal income taxes on your military pension. Use the Internal Revenue Service (IRS) online tool and online publication to find out.

Military Retirement and Social Security Benefits

Retirees can get both Social Security benefits and their military pension. Learn how the Social Security Administration (SSA) credits military service for your benefit. 

VA Disability Compensation Benefits

Veterans who have a service-related injury or illness may be entitled to VA disability compensation. It’s a tax-free monthly benefit.

Visit VA.gov to learn:

  • Which conditions qualify you for benefits

  • How the claims process works

  • How to file a VA disability claim

  • How to appeal a decision you disagree with. The process changed in February 2019.

Survivors of veterans may receive compensation benefits in certain situations.

VA Pensions for Veterans and Survivors With a Low Income

Wartime veterans with a low income and their survivors may qualify for a tax-free pension. These monthly payments from the Department of Veterans Affairs (VA) are based on financial need.

Veterans Pension and Survivors Pension Eligibility 

Both pensions base eligibility on the veteran’s service time, financial need, and age or status of the veteran or survivor. 

  • Learn about Veterans Pension eligibility

  • Learn about Survivors Pension eligibility

How to Calculate VA Pensions

The amount for both pensions is the difference between the recipient’s "countable" income and the annual pension limit set by Congress.

  • Calculate Veterans Pension

  • Calculate Survivors Pension

How to Apply for a VA Pension

See how to apply for a veterans pension, including online.

See how to apply for a survivors pension.

Aid & Attendance (A&A) and Housebound Benefits

If you receive a VA pension, you may also qualify for Aid & Attendance or Housebound benefits. You can only get one of them. Each has its own qualifications.

Veterans Pension Versus Military Retirement

Some people confuse military retirement benefits with a VA pension. Here are two ways to tell the difference:

  • Military retirement is taxable but a VA pension is tax-free.  

  • Military retirement uses years of service (not necessarily wartime). But a VA pension is based on wartime service and financial need. 

Veterans Pension Versus Disability Compensation

In some cases, veterans can receive disability compensation. It's not the same as the VA pension. Here’s a way to tell the difference:

  • Disability compensation is for an illness or injury that happens because of or was made worse by your military service. It’s not income-based and war service is not required. 

  • A VA pension is for war veterans with a low income and who may have a disability that is not service-related.  

Last Updated: September 15, 2022

Top

How much is E7 retirement pay with 20 years?

What is the retirement pay for an E7 with 20 years? As of 2022 the pay calculation projection an E7 retiring with exactly 20 years of service would receive $27,827 per year. It's important to note the present value of almost $800,000 for a 40 year old receiving this pension indefinitely.

Do you get extra Social Security if you were in the military?

Since 1957, if you had military service earnings for active duty (including active duty for training), you may have extra Social Security wage credits added to your earnings record. Since 1988, inactive duty service in the Armed Forces reserves (such as weekend drills) is covered by Social Security.