Understanding your military pay can be complex, as it's comprised of several components beyond just your base salary. This Active Duty Pay Calculator helps service members estimate their monthly gross and net pay by factoring in base pay, various allowances, special pays, and common deductions.
Components of Active Duty Pay
Your total active duty pay is generally made up of the following:
Base Pay: This is the fundamental component of your pay, determined by your rank (pay grade) and your cumulative years of service. It increases with promotions and time in service.
Basic Allowance for Housing (BAH): A non-taxable allowance designed to offset the cost of housing when government quarters are not provided. BAH rates vary significantly based on your duty station's geographic location, your pay grade, and whether you have dependents.
Basic Allowance for Subsistence (BAS): A non-taxable allowance intended to offset the costs of a service member's meals. It's a fixed monthly rate that varies slightly between officers and enlisted personnel.
Special and Incentive (S&I) Pays: These are additional pays for specific skills, duties, or assignments. Examples include hazardous duty pay, flight pay, dive pay, foreign language proficiency pay, and more. These are often taxable.
Common Deductions
While not exhaustive, common deductions from your gross pay can include:
Servicemembers' Group Life Insurance (SGLI): A low-cost term life insurance program for service members. The premium depends on the coverage amount.
Thrift Savings Plan (TSP): A retirement savings and investment plan similar to a 401(k) for federal employees, including service members. Contributions are typically a percentage of your base pay.
Taxes: Federal and state income taxes, as well as FICA (Social Security and Medicare) taxes, are withheld from taxable portions of your pay. This calculator provides a simplified net pay estimate and does not include a full tax calculation due to its complexity.
How to Use the Calculator
Enter your rank, years of service, and any applicable allowances or special pays. The calculator will then provide an estimated breakdown of your monthly earnings.