U.S. Military Pay Calculator 2026 — Active Duty & Reserve Take-Home Pay

1 Service Profile

Duty status

Pay grade

Years of service (total active)

Dependent status (affects BAH)

R Reserve / Guard Service

Drill periods / month (weekend = 4)

Drill periods / year (typical 48)

Annual Training days (typical 14)

AT housing basis

Other annual income (civilian)

Career points so far (optional)

Reserve pay is taxed on top of civilian income — enter your civilian gross so the federal tax estimate uses your real marginal bracket. "Career points so far" projects your retirement-point total (÷360 = equivalent years of service for age-60 retired pay).

One drill period (4 hrs) pays 1/30 of monthly basic pay; a normal drill weekend is 4 periods. Drills pay basic pay only (no BAH/BAS). Annual Training is paid like active duty (basic + BAS + BAH). AT under 30 days uses the BAH RC/Transit table; 30+ days uses your locality BAH (enter a ZIP below).

2 Housing (BAH) & Subsistence (BAS)

ZIP code

or search by city / base (optional)

Enter your residence ZIP code — BAH is set by where you live.

Don't see your area, or want exact rate? Enter BAH manually ▾

BAH rates below are the official 2025 DoD rates (the latest complete dataset publicly downloadable). All other figures use 2026 rates. 2026 BAH averages ~4.2% higher — use the manual field for an exact 2026 amount.

Receive BAS (Basic Allowance for Subsistence)

3 Special & Incentive Pays (optional)

4 COLA (Cost-of-Living Allowance)

Monthly COLA (CONUS or OCONUS, if any)

COLA is location/grade/dependent-specific and tax-free. Look up your amount on the DTMO CONUS or Overseas COLA calculator and enter the monthly total here.

5 Deductions & Taxes

Federal filing status

State of legal residence

State income tax (your effective %)

Many states fully exempt active-duty military pay — enter 0 if yours does.

TSP contribution (% of basic pay)

Traditional lowers taxable income; Roth does not. Capped at the 2026 elective limit.

SGLI life insurance coverage

Combat Zone Tax Exclusion (CZTE) Basic pay & most special pays become federally tax-free (officers capped). FICA still applies.