1. What is the Army Retirement Calculator 2025?

Definition: This calculator estimates annual retirement pay for Army personnel based on years of service and high-3 average pay.

Purpose: It helps service members plan their retirement by projecting their pension benefits under the 2025 military retirement system.

2. How Does the Calculator Work?

The calculator uses the standard military retirement formula:

Where:

• \( Pension \) — Annual retirement pay ($)
• \( Y \) — Years of service (years)
• \( H3 \) — High-3 average basic pay ($)

Explanation: The formula calculates 2.5% of the high-3 average pay for each year of service.

3. Importance of Retirement Planning

Details: Understanding your projected retirement pay helps with financial planning, budgeting, and making informed decisions about military career length.

4. Using the Calculator

Tips: Enter your total years of service (including partial years) and your estimated high-3 average basic pay. All values must be > 0.

5. Frequently Asked Questions (FAQ)

Q1: What is high-3 average pay?
A: It's the average of your highest 36 months (3 years) of basic pay, typically your final three years of service.

Q2: Does this include COLA adjustments?
A: No, this calculates base retirement pay. Cost of Living Adjustments (COLA) are applied annually after retirement.

Q3: What's the maximum years of service?
A: The multiplier applies to up to 30 years (75% max). Years beyond 30 don't increase the pension percentage.

Q4: Does this work for blended retirement system?
A: No, this is for the legacy High-3 system. The BRS uses a 2.0% multiplier instead of 2.5%.

Q5: Are bonuses included in high-3 pay?
A: No, high-3 only includes basic pay, not bonuses, allowances, or special pays.