Retirement & Separations Command Center
Walk through each life event to build your lifetime income projection. Changes stay in this session only — nothing is saved.
Service & Career
Your rank, years of service, and retirement system. Years auto-calculate from your enlistment date.
Family & VA Dependents
VA compensation uses the official 2026 va.gov rate tables — select your rating and dependents to match.
Spouse Situation
Add a spouse's military retirement, VA, or working income where applicable.
Healthcare & TRICARE
Estimated annual healthcare costs subtracted from your projected income.
Total Annual Healthcare
$500
TRICARE retiree premiums are estimates — Prime ~$700/yr, Select ~$500/yr, For Life ~$150/yr (Part B). Your plan automatically switches to TRICARE for Life at age 65 (Medicare eligibility). Add dental, vision, and out-of-pocket costs under "Other Healthcare".
Social Security Benefits
Pull your official projected benefit and enter it to add to your lifetime income.
Begins at age 67
$0/yr
Social Security is added to your projection starting at the age above and receives COLA adjustments.
Retirement Account & Withdrawal Strategy
Withdrawals auto-start at your first penalty-eligible date (age 59½) from your birth year.
Add your birth year and projected retirement date in My Profile to auto-set the first eligible withdrawal date.The account grows each year, then withdrawals reduce the actual balance. Contributions continue until the stop age (0 = until withdrawals begin) with the employer match added on top. BRS auto-fills the 5% government TSP match.
COLA, Inflation & Longevity
Set economic assumptions and how long your money needs to last.
Projection Horizon
43 yrs (to age 85)
Base pay from the 2026 DoD pay chart (E-7/19yr = $6,177.30). High-3 uses 2.5%/yr; BRS uses 2.0%/yr plus 5% TSP match. Horizon is driven by life expectancy minus retirement age (override with the ⚡ buttons). Estimates only — not financial advice.
Civilian Compensation Gap
The civilian income needed to match your in-service lifestyle once retirement pay and VA are counted.
Civilian income needed to maintain lifestyle
$0
In-service total (annualized): $0
Less retirement pension: -$48,000
Less VA compensation: -$0
Base pay (2026): $0
Life Projections
Annual Pension
$48,000
High-3 (Legacy)
Annual VA Comp
$0
veteran only
Year 43 Income
$224,014
43yr Lifetime
$6,866,672
Total Income Projection
- Nominal Income
- Inflation-Adjusted
Retirement Account Balances
Year-by-Year Breakdown
All income sources factored in — spouse accounts, Social Security, and healthcare where applicable.
| Age | Pension | VA | Spouse | Civilian | Soc. Sec. | Withdrawal | Sp. Withdraw | Healthcare | Balance | Sp. Balance | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Age 42 | $48,000 | $0 | $0 | $60,000 | $0 | $2,140 | $0 | -$500 | $51,360 | $0 | $109,640 |
| Age 43 | $49,344 | $0 | $0 | $60,000 | $0 | $2,198 | $0 | -$500 | $52,757 | $0 | $111,042 |
| Age 44 | $50,726 | $0 | $0 | $60,000 | $0 | $2,258 | $0 | -$500 | $54,192 | $0 | $112,484 |
| Age 45 | $52,146 | $0 | $0 | $60,000 | $0 | $2,319 | $0 | -$500 | $55,666 | $0 | $113,965 |
| Age 46 | $53,606 | $0 | $0 | $60,000 | $0 | $2,383 | $0 | -$500 | $57,180 | $0 | $115,489 |
| Age 47 | $55,107 | $0 | $0 | $60,000 | $0 | $2,447 | $0 | -$500 | $58,735 | $0 | $117,054 |
| Age 48 | $56,650 | $0 | $0 | $60,000 | $0 | $2,514 | $0 | -$500 | $60,333 | $0 | $118,664 |
| Age 49 | $58,236 | $0 | $0 | $60,000 | $0 | $2,582 | $0 | -$500 | $61,974 | $0 | $120,318 |
| Age 50 | $59,867 | $0 | $0 | $60,000 | $0 | $2,652 | $0 | -$500 | $63,660 | $0 | $122,019 |
| Age 51 | $61,543 | $0 | $0 | $60,000 | $0 | $2,725 | $0 | -$500 | $65,391 | $0 | $123,768 |
| Age 52 | $63,266 | $0 | $0 | $60,000 | $0 | $2,799 | $0 | -$500 | $67,170 | $0 | $125,565 |
| Age 53 | $65,038 | $0 | $0 | $60,000 | $0 | $2,875 | $0 | -$500 | $68,997 | $0 | $127,413 |
| Age 54 | $66,859 | $0 | $0 | $60,000 | $0 | $2,953 | $0 | -$500 | $70,874 | $0 | $129,312 |
| Age 55 | $68,731 | $0 | $0 | $60,000 | $0 | $3,033 | $0 | -$500 | $72,801 | $0 | $131,264 |
| Age 56 | $70,655 | $0 | $0 | $60,000 | $0 | $3,116 | $0 | -$500 | $74,782 | $0 | $133,271 |
| Age 57 | $72,634 | $0 | $0 | $60,000 | $0 | $3,201 | $0 | -$500 | $76,816 | $0 | $135,334 |
| Age 58 | $74,667 | $0 | $0 | $60,000 | $0 | $3,288 | $0 | -$500 | $78,905 | $0 | $137,455 |
| Age 59 | $76,758 | $0 | $0 | $60,000 | $0 | $3,377 | $0 | -$500 | $81,051 | $0 | $139,635 |
| Age 60 | $78,907 | $0 | $0 | $60,000 | $0 | $3,469 | $0 | -$500 | $83,256 | $0 | $141,876 |
| Age 61 | $81,117 | $0 | $0 | $60,000 | $0 | $3,563 | $0 | -$500 | $85,520 | $0 | $144,180 |
| Age 62 | $83,388 | $0 | $0 | $60,000 | $0 | $3,660 | $0 | -$500 | $87,847 | $0 | $146,548 |
| Age 63 | $85,723 | $0 | $0 | $60,000 | $0 | $3,760 | $0 | -$500 | $90,236 | $0 | $148,983 |
| Age 64 | $88,123 | $0 | $0 | $60,000 | $0 | $3,862 | $0 | -$500 | $92,691 | $0 | $151,485 |
| Age 65 | $90,591 | $0 | $0 | $60,000 | $0 | $3,967 | $0 | -$150 | $95,212 | $0 | $154,408 |
| Age 66 | $93,127 | $0 | $0 | $60,000 | $0 | $4,075 | $0 | -$150 | $97,801 | $0 | $157,052 |
| Age 67 | $95,735 | $0 | $0 | $60,000 | $0 | $4,186 | $0 | -$150 | $100,462 | $0 | $159,771 |
| Age 68 | $98,415 | $0 | $0 | $60,000 | $0 | $4,300 | $0 | -$150 | $103,194 | $0 | $162,565 |
| Age 69 | $101,171 | $0 | $0 | $60,000 | $0 | $4,417 | $0 | -$150 | $106,001 | $0 | $165,438 |
| Age 70 | $104,004 | $0 | $0 | $60,000 | $0 | $4,537 | $0 | -$150 | $108,884 | $0 | $168,390 |
| Age 71 | $106,916 | $0 | $0 | $60,000 | $0 | $4,660 | $0 | -$150 | $111,846 | $0 | $171,426 |
| Age 72 | $109,909 | $0 | $0 | $60,000 | $0 | $4,787 | $0 | -$150 | $114,888 | $0 | $174,546 |
| Age 73 | $112,987 | $0 | $0 | $60,000 | $0 | $4,917 | $0 | -$150 | $118,013 | $0 | $177,754 |
| Age 74 | $116,150 | $0 | $0 | $60,000 | $0 | $5,051 | $0 | -$150 | $121,223 | $0 | $181,051 |
| Age 75 | $119,403 | $0 | $0 | $60,000 | $0 | $5,188 | $0 | -$150 | $124,520 | $0 | $184,441 |
| Age 76 | $122,746 | $0 | $0 | $60,000 | $0 | $5,329 | $0 | -$150 | $127,907 | $0 | $187,925 |
| Age 77 | $126,183 | $0 | $0 | $60,000 | $0 | $5,474 | $0 | -$150 | $131,386 | $0 | $191,507 |
| Age 78 | $129,716 | $0 | $0 | $60,000 | $0 | $5,623 | $0 | -$150 | $134,960 | $0 | $195,189 |
| Age 79 | $133,348 | $0 | $0 | $60,000 | $0 | $5,776 | $0 | -$150 | $138,631 | $0 | $198,974 |
| Age 80 | $137,082 | $0 | $0 | $60,000 | $0 | $5,933 | $0 | -$150 | $142,402 | $0 | $202,865 |
| Age 81 | $140,920 | $0 | $0 | $60,000 | $0 | $6,095 | $0 | -$150 | $146,275 | $0 | $206,865 |
| Age 82 | $144,866 | $0 | $0 | $60,000 | $0 | $6,261 | $0 | -$150 | $150,254 | $0 | $210,976 |
| Age 83 | $148,922 | $0 | $0 | $60,000 | $0 | $6,431 | $0 | -$150 | $154,341 | $0 | $215,203 |
| Age 84 | $153,092 | $0 | $0 | $60,000 | $0 | $6,606 | $0 | -$150 | $158,539 | $0 | $219,548 |
| Age 85 | $157,378 | $0 | $0 | $60,000 | $0 | $6,785 | $0 | -$150 | $162,851 | $0 | $224,014 |