Military Finance Calculators
Military pay is nothing like civilian compensation. BAH, BAS, TSP matching, VA loans, and tax-free allowances add up to far more than your base pay suggests — and the financial decisions you face are unique to service.
These calculators are built for the specifics of military life: PCS moves, retirement system choices, and converting your compensation into civilian terms when it's time to transition.
Why Military Finance Is Different
🏠 Tax-Free Allowances
BAH and BAS are not taxable income. An E5 receiving $2,200/month in BAH is equivalent to a civilian earning ~$3,000+/month before tax just for housing.
🔒 Pension System
Under both BRS and Legacy, you can earn a guaranteed pension for life — something nearly impossible in civilian employment. The value is enormous and often underestimated.
🏥 Healthcare & Benefits
TRICARE, commissary access, base services, and VA benefits add thousands per year in real value that never shows up on your LES.
🏦 VA Loan Advantage
VA loans require no down payment and no PMI. On a $350k home, that's $70k+ you keep in pocket vs a conventional buyer who needs 20% down.
Calculators
BAH Calculator
Estimate your Basic Allowance for Housing by pay grade, duty station, and dependency status.
BRS vs Legacy Retirement
Compare the Blended Retirement System against the High-3 pension side-by-side.
Military → Civilian Salary
Convert your total military compensation to an equivalent civilian salary including hidden benefits.
VA Loan Calculator
Calculate monthly payment with VA funding fee, no PMI, no down payment.
TSP Optimizer
Maximize your Thrift Savings Plan contributions and project retirement savings.
Planning for a Life Event?
Looking for more? Retirement Savings Calculator · Mortgage Affordability · Tax Brackets