Estimate your monthly take-home pay as a U.S. Navy enlisted service member.
Estimated Monthly Take-Home Pay
$0.00
Understanding Your Navy Paycheck
Calculating your monthly take-home pay as an enlisted U.S. Navy service member involves understanding the various components of your compensation and the deductions applied. This calculator provides an estimate based on common pay elements and standard deductions.
Key Components of Navy Pay:
Base Pay: Determined by your rank (Enlisted Tier) and years of service (Time in Service). This is a fundamental part of your income.
Basic Allowance for Housing (BAH): Varies significantly based on your geographic location, rank, and whether you have dependents. BAH is intended to offset the cost of housing. It is not taxed.
Basic Allowance for Subsistence (BAS): A fixed amount intended to cover the cost of a service member's meals. It is not taxed.
Special Duty Pay / Hazard Pay: Additional pay for performing specific duties, serving in hazardous environments, or holding certain qualifications (e.g., submarine duty, flight pay for specific roles, jump pay). This can vary widely.
Common Deductions:
Federal Income Tax: Withholding based on your W-4 selections.
State Income Tax: Withholding if you reside in a state with income tax. Some states do not tax military pay.
Servicemembers' Group Life Insurance (SGLI): A low-cost life insurance program.
Other Deductions: May include retirement contributions (e.g., Blended Retirement System), association dues, uniform purchases, etc.
How the Calculator Works:
The calculator sums up your gross pay components (Base Pay, BAH, BAS, Special Duty Pay) and then subtracts your estimated tax withholdings and other deductions. The formula used is:
Take-Home Pay = (Base Pay + BAH + BAS + Special Duty Pay) – (Federal Tax Withholding + State Tax Withholding + Other Deductions)
Note: BAH and BAS are generally non-taxable allowances, meaning they are not subject to federal or state income taxes. This calculator assumes the inputs for BAH and BAS are the amounts received and does not tax them. Tax withholdings are based on the amounts you input as being withheld, which should reflect your actual deductions. For precise figures, always refer to your official Leave and Earnings Statement (LES).
function calculateNavyPaycheck() {
var basePay = parseFloat(document.getElementById("basePay").value) || 0;
var housingAllowance = parseFloat(document.getElementById("housingAllowance").value) || 0;
var subsistenceAllowance = parseFloat(document.getElementById("subsistenceAllowance").value) || 0;
var specialPay = parseFloat(document.getElementById("specialPay").value) || 0;
var taxWithholding = parseFloat(document.getElementById("taxWithholding").value) || 0;
var stateTaxWithholding = parseFloat(document.getElementById("stateTaxWithholding").value) || 0;
var otherDeductions = parseFloat(document.getElementById("otherDeductions").value) || 0;
var grossMonthlyPay = basePay + housingAllowance + subsistenceAllowance + specialPay;
var totalDeductions = taxWithholding + stateTaxWithholding + otherDeductions;
var takeHomePay = grossMonthlyPay – totalDeductions;
// Ensure take-home pay is not negative, display as 0 if it is
if (takeHomePay < 0) {
takeHomePay = 0;
}
document.getElementById("takeHomePay").innerText = "$" + takeHomePay.toFixed(2);
document.getElementById("result").style.display = "block";
}