Retirement & VA Disability Pay Calculator
Estimate your monthly military pension under standard longevity or Chapter 61 medical retirements, convert Guard/Reserve points, and model concurrent receipt offsets.
Retirement Profile
Define your service status and pension rules.
20 YOS
0 YOS20 YOS40 YOS
$
BRS Continuation Pay (CP)
One-time mid-career retention payout (normally at 12 YOS).
Monthly Basic Pay (at 12 YOS):$5,592.00
Est. Continuation Payout:$13,980.00
* Receipt of Continuation Pay requires an agreement to serve an additional **4 years** in the active or reserve component from the date of election.
VA Disability Profile
Configure your VA disability rating.
Retirement Readiness Timeline
Your projected monthly income across each phase of your military transition.
39% Covered
$9,368.00/mo
Active DutyToday → ETS/Retirement
$0
Gap3 mo
$3,630.90/mo
Retirement FloorPension + VA
Monthly income change at separationTransition gap cost: $28,104.00 in foregone income
-$5,737.10/mo$
Estimated from base pay ×1.5 (includes BAH/BAS). Edit to match your actual take-home.
$0.00/mo
No drawdown$5,000/mo
3 months with no income
No gap (seamless)12 months24 months
Estimated Monthly Payout
Calculated net monthly take-home in retirement
Gross Military Pension$2,498.00Multiplier: 40.0%
VA Compensation+$1,132.90100% Tax-Free
$3,630.9031% Tax-Free Stream
Retirement Pay Breakdown
| Compensation Element | Calculation Detail | Tax Status | Amount |
|---|---|---|---|
| Gross Pension | 40.0% of $6,245.00 | Subject to Fed Tax | $2,498.00 |
| VA Disability Compensation | 50% Disability Rating | 100% Tax-Free | +$1,132.90 |
| Net Monthly Pay | Combined payout streams | $1,132.90 Tax-Free | $3,630.90 |
🎉 CRDP Concurrent Receipt Restored: Because your longevity equivalent service is ≥ 20 years and your VA disability rating is 50% or higher, **Concurrent Retirement and Disability Pay (CRDP)** is active. The offset is eliminated; you receive your full pension and full VA compensation concurrently.
30-Year Lifetime Payout Projection
Projected cumulative retirement pay assuming a standard 2.5% annual Cost-of-Living Adjustment (COLA).
Loading projection graph...
Estimated 30-Year Cumulative Value$1,912,876.00Over a 30-year retirement, your combined pension and VA compensation represents a multi-million dollar career benefit.
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