Your Information
📖 New to reserve retirement? See our Reserve Retirement 101 guide for detailed explanations of each input.
Enter your birth date to calculate when you'll start receiving pay
Standard is 60; may be reduced for qualifying active duty after Jan 28, 2008
For members who entered service before January 1, 2018, and did not opt into BRS.
Minimum 1,000 points required for retirement eligibility
💡 Why this matters: Years of Service determines your position on the pay table. More years = higher pay at the same rank. The "gray area" time while waiting for retirement pay still counts toward your Years of Service.
Estimated annual increase to military pay tables before you start receiving pay
Projected annual cost-of-living adjustment applied to retirement pay
Minimum $300/month
Premium = 6.5% base + ~1-2.5% RCSBP surcharge for gray area coverage
Your Estimated Retirement Pay
Monthly Gross Retirement Pay
Monthly Net Pay (After RCSBP)
First Year Retirement Pay
Calculation Breakdown
📈 COLA Projections (Next 10 Years)
| Year | Monthly Pay | Annual Pay |
|---|
ℹ️ Important Notes
- Reserve retirement pay begins at age 60 (or earlier with qualifying active duty service)
- Retirement pay is subject to federal income tax (and state tax in most states)
- TRICARE coverage available at age 60 (regardless of when retirement pay starts)
- BRS includes TSP government matching (up to 5%) not shown here
- RCSBP premiums are paid pre-tax, reducing taxable income
- RCSBP becomes "paid up" after 30 years of premiums AND reaching age 70