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FREE CALCULATOR
Military Retirement Pay Calculator
Estimate your pension across all 4 retirement systems. Includes VA disability integration, SBP, CRDP/CRSC optimizer, and state tax analysis.
Service Profile
State of Residence
High-3
$2,848
Estimated Monthly Retirement Pay
$34,176/year
50.0% of High-36 Average
Gross Pension
$2,848/mo
Base pay: $5,696
Federal Tax (est.)
-$322/mo
$3,863/year on taxable income
State Tax
EXEMPT
TX does not tax military retirement
Estimated Net Monthly Income
$2,526
Pension - taxes
Lifetime Projection (to age 85)
Total Pension Income
$2,781,298
43 years with 2.8% annual COLA
CIVILIAN SALARY PARITY
To match your military take-home of $2,526/mo, you'd need a civilian salary of $35,188/year in Texas.
| Military retirement | Civilian job in Texas | |
|---|---|---|
| Annual gross | $34,176 | $35,188 |
| Federal tax | $3,863 | $2,184 |
| State tax (TX) | $0 (exempt) | $0 |
| FICA (SS + Medicare) | $0 — exempt on retirement | $2,692 |
| Net per month | $2,526 | $2,526 |
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$/ year
Add ~$5,000/year to your target if you'll lose Tricare and pay employer health premiums in your civilian job. Math assumes 2026 federal brackets and standard deduction; no 401(k) or HSA pre-tax; no local/city tax.
Still have questions? Ask the AI Advisor →These are estimates based on 2026 military pay tables (3.8% raise), 2026 VA rates (2.8% COLA), and simplified tax assumptions. Official calculations are available through DFAS.mil. For critical financial decisions, consult a qualified financial advisor.