1. What is the Military Retirement Calculator 2025?

Definition: This calculator estimates military retirement pay using the standard formula for 2025.

Purpose: It helps service members project their retirement benefits based on years of service and highest 36 months of basic pay.

2. How Does the Calculator Work?

The calculator uses the formula:

Where:

• \( P \) — Annual pension amount ($)
• \( Y \) — Years of service
• \( H3 \) — 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 Military Retirement Planning

Details: Accurate retirement projections help service members plan their post-military finances and transition to civilian life.

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 the High-3 average pay?
A: It's the average of your highest 36 months of basic pay (usually your last 3 years of service).

Q2: Does this include COLA adjustments?
A: No, this calculates base retirement pay before any cost-of-living adjustments.

Q3: What's the maximum years of service credit?
A: The formula typically caps at 30 years (75% of high-3 pay), but some exceptions apply.

Q4: Does this work for BRS (Blended Retirement System)?
A: No, this is for the legacy High-3 system. BRS uses a 2.0% multiplier.

Q5: Are bonuses included in High-3 pay?
A: No, only basic pay is used in High-3 calculations.