Understand selected monthly pay components, then reconcile them with your Leave and Earnings Statement (LES). This is a planning tool, not an entitlement determination.

Grade and service

Use the 2026 active-duty monthly DFAS basic pay schedule in U.S. dollars. Enter your grade and completed years and months of creditable service. Unavailable table cells are rejected, not estimated. E-1 has a lower rate during the first four months. O-1E/O-2E/O-3E require confirmation of qualifying prior enlisted or warrant-officer service. Exceptional senior enlisted positions, officer statutory caps and table eligibility footnotes require finance-office review.

Housing allowance

Enter your actual monthly BAH from your LES or a confirmed DTMO rate, including zero. No city multipliers, national averages or dependent adjustments are inferred. Eligibility, duty station, grade, dependents and rate protection can affect BAH. Alaska and Hawaii use BAH when eligible. Foreign OHA is not supported; consult official DTMO OHA guidance.

Standard 2026 BAS is $476.95 monthly for enlisted members and $328.48 for officers, including warrant officers. Select no BAS during training or when not entitled. BAS supports the member, not dependents. Meal collections belong in your entered deductions; BAS II and other exceptions are not modeled.

Special pay and tax

Deployment alone establishes neither HFP/IDP entitlement nor combat-zone tax eligibility. Enter confirmed monthly HFP/IDP from your LES, from $0 to $225. IDP may be prorated; HFP and IDP are not added together. Confirm qualifying combat-zone federal income-tax exclusion separately. The commissioned-officer monthly cap is $11,166.90 plus actual payable HFP/IDP entered. Warrant officers use enlisted exclusion treatment. Social Security and Medicare rules still apply.

Deductions and benefits

Gross monthly cash is basic pay plus entered BAH, selected BAS and entered HFP/IDP. Optional total payroll deductions come from you: gross less entered deductions is arithmetic, not estimated net pay. No federal or state withholding, final tax liability, TSP, insurance or meal deductions are calculated. Any entered noncash benefit value is separate, not salary or spendable cash. No civilian-equivalent salary multiplier is used.

Retirement

For regular active-duty retirement at 20 years, BRS generally provides 40% of high-36 average basic pay (2% per year), while legacy High-3 generally provides 50% (2.5% per year). High-36 averages the highest 36 months of basic pay, not final pay or allowances. Eligibility, other systems, reserve retirement and disability rules require separate review. No pension valuation is calculated.

COLA addresses eligible nonhousing cost-of-living differences; it is not a rent supplement or replacement for BAH/OHA. COLA, FSA, bonuses and other special pays are excluded. Partial-month basic pay, reserve drill pay and future pay changes are not modeled. Annual figures multiply the displayed month by twelve, not a career forecast.