A reader writes: There used to be a great National Guard Retirement Calculators the Army put out– you enter your years of service, total points and the multiplier and it gave you a projected pay per month for your Reserve retirement. This should be on your site– the Army has taken it down…Help the lazy folk!
“Lazy”? I appreciate you pointing this out– in the submarine force we used to call this “forceful backup.” The Reserve and National Guard retirement system are complex, and figuring out your retirement pay can be even more challenging. A calculator helps you make sure that you understand your military retirement, and it can keep you from making a hasty career decision. In fact, you’d think that every service would have their own Reserve retirement calculator prominently displayed on their personal websites.
Well, some of the services make it easy to find, some hide it behind a login, and I’m still looking for one.
I’ll break it down by the branch of service and tell you what I know of their latest status. I’ll also include the links to the other posts on this blog which explain a few details that the calculators leave out. Please correct me if you have more information, and especially if you have a common access card.
Department of Defense Reserve Retirement Calculator
Trick question: there isn’t one. This link explains the DoD Reserve retirement system, and it tells you what data to enter into your smartphone or your spreadsheet, but there’s no DoD Reserve retirement calculator. I don’t know why, but perhaps DoD has delegated Reserve retirement calculators to the respective services so that each service can use their common access card data behind a secure website login. That way a servicemember has to log in with their CAC, verify their personal data and let the website access the details of their record for a more accurate estimate.
Of course, if you’re retired awaiting pay (“gray area”) or you’ve been in the Inactive Ready Reserve for a few years, you may be wondering what the heck a CAC is. My personal advice is that you avoid the CAC system until they hunt you down and make you get one. (I think it’s just a coincidence that the servicemember’s smiling face on the CAC website looks like Ferris Bueller.) In the meantime, you can use your smartphone or your spreadsheet and enjoy your life.
Army Reserve Retirement Calculator
I had this link in the blogroll and, thanks to the alert reader who asked the question, I just updated it. The U.S. Army Human Resources Command Website has reorganized several of their links, and the old calculator is no longer available.
Here’s the latest link to the Army Reserve retirement calculator.
The Army Human Resources Command website goes into more details of how to estimate your Reserve retired pay. It also has a page on computing your length of service for pay purposes and another page of links for special situations. All of these factors are taken into account by the retirement calculator, but it’s just an estimate. Your individual service record has to be reviewed for exceptions to the typical Reserve career, and you may even be eligible to start receiving your pension a few months earlier.
Army National Guard Retirement Calculator
I know, same as the Army Reserve calculator, but this post is search-engine friendly. The Army National Guard G1 Personnel Gateway has the link to the Army National Guard retirement calculator. It’s the same link as the Army Reserve calculator because they both use the rules of the Department of Defense Reserve retirement system.
Some Reserve and National Guard retirements will start before age 60 for those who meet the deployment requirements of the 2008 National Defense Authorization Act. Those went into effect for deployments starting after 28 January 2008.
Note that the Army National Guard G1 page also links to many other calculators and tables for Dependency and Indemnity Compensation (DIC), the Reserve Component Survivor Benefit Plan calculator, a Social Security benefits estimator, and the Thrift Savings Plan website. It also helpfully links to the Civil Service Retirement System (CSRS) and the Federal Employee Retirement System (FERS) for those of you who are Department of the Army civilians or military technicians.
Navy Reserve Retirement Calculator
The Navy started the “Dude, where’s my calculator?” movement a year ago, but I’m a little slow to catch on. In early 2012 they took their calculator off their public site and moved it behind their firewall to require a CAC login.
This only helps if you have a CAC (or a Navy Knowledge Online account), but it makes the calculator more accurate for those who do. The site can access your precise point count and check for any unusual dates or deployments that may make you eligible for an earlier retirement.
Another option is the Association of the U.S. Navy. If you’re a member of this military advocate group, then you can log on to their website calculator. Even better, you can e-mail their staff for help reviewing your service record, auditing your point count, and checking for special situations or other issues. Their monthly magazine, their tax guide, and their other website tools are well worth the membership fee.
Unless you have a CAC card, a Navy Knowledge Online account, or an AUSN membership, I’d use the Army Reserve retirement calculator above.
Marine Corps Reserve Retirement Calculator
Same as the Navy Reserve retirement calculator paragraph, or just go straight to the Army Reserve retirement calculator. I’m weak on my Marine personnel knowledge, so if you have a better resource, then please set me straight.
From reader Rob’s comment below, start with USMC Manpower & Reserve Affairs. There’s no calculator (just more instructions on how to do the calculation), but try the 2012 retirement guide (PDF) and the retirement checklist.
Air Force Reserve Retirement Calculator
No help here– the Air Reserve Personnel Center has had their Reserve retirement calculator behind a login for more than a year. Before you sign up for an account, you could try the Army Reserve retirement calculator.
Air National Guard Retirement Calculator
No help here either– the Air Force MyPers website also needs a CAC or an account login. If you want to save a little time, check the Army Reserve retirement calculator before signing up for the Air Force account.
Coast Guard Reserve Retirement Calculator
You bet I checked. Their Reserve Personnel Management Division has a great website with lots of helpful links. (Besides, I know I have at least one USCGR reader.) However, their Reserve retirement calculator link goes to… you guessed it… the Army Reserve retirement calculator.
I’ll say it one last time: these calculators are estimates. First, if you’ve made a combat deployment since 2008, then you may be eligible for a slightly earlier retirement. Second, your point count is subject to verification just before you start your retirement. If you’ve been through Navy ROTC midshipman summer training, or if you’ve had any change to your status since your last DD-214, then you may have a few more points on your record. (Update: this NROTC midshipman summer training niche benefit has been revoked– see the NPC website Midshipman Points FAQ.) And finally, these calculators may have a significant time lag before they implement the current year’s pay tables. It’s not a very big difference (a year’s pay raise), but unless you’re starting your pension this year, none of us knows what the pay tables will look like when you get that first deposit.
Don’t Forget Your Other Military Retirement Benefits
Estimating your retired military pay is a great way to prepare for your future. But it’s also important to consider how your other military retirement benefits will impact you, both financially, and in your quality of life. You will still have access to military installations, shopping, and other base amenities.
Perhaps the most valuable benefit, however, is access to military health care in your retirement years. Health care is becoming more expensive and less accessible. Your military retirement benefits will help you gain access to more affordable health care. This article covers your health care options after leaving the military. This is great information for anyone leaving active duty, or the Guard or Reserve components.
This article covers health care for retired Reservists and Guard members. Your TRICARE won’t kick in until age 60, at which time you will be eligible for TRICARE Prime or Standard. When you reach age 65, you will be eligible for TRICARE for Life. In between, there are other options, including unsubsidized access to TRICARE Reserve Select. You will also be eligible to obtain health coverage through an employer or through a private exchange.
Related articles:
Guest Post Wednesday: “My Road to a Reserve Retirement.”
Sanctuary and military retirement during a Reserve career
Reader questions on Reserve retirement Tricare and points
Navy Reserve retirement credit for ROTC summer training
Calculating a Reserve retirement
Should you join the Reserves or National Guard?
Retirement planners and calculators (part 1 of 2)
Problems with retirement calculators
Don’t Gut It Out To 20: Leave Active Duty For The Reserves Or National Guard
I did one enlistment in the Air National Guard. Now 6 years after my enlistment ended, I am being denied a Certificate of Eligibility for a VA loan. My NGB 22 and all other records show I served 6 years, but only puts my retirement points at 5 years. I was discharged honorably, never missed drills, etc. Someone told me it may have to do with when my enlistment ended in the fiscal year, but that seems confusing to me. Surely everyone who doesn’t join and end in September is denied a full year, or are they? Can someone explain this to me in a non complicated, non technical way?
Vicky, it’s possible that the Guard has only given you five good years and doesn’t have all the data for your points.
I’d confirm your actual point count with their records to make sure that you get credit for all six years.
Thank you. I’ll definitely check that.
I am an Army Reserve O3 with 29 years in (most of it prior enlisted) and 3400 points. I’ve been under the impression that there is a big difference between retiring >4000 points versus less than 4000. I got on the HRC pages retirement calculator today and it looks there is very little difference. Even if I made O4 and got over 4000 points it’s about 200/month. Am I reading that right?
Thanks for checking my work!
Tom Easter
Tom, you’ve asked a very pertinent question about trading your life energy for money.
This response’s calculation of a High Three pension isn’t precise, because it doesn’t average the highest 36 months of pay– particularly those 36 months of the future pay tables just before starting the pension. However we’re going to check the difference between two calculations in today’s dollars, so this will be within 3% (two annual pay raises) of the actual number.
The difference between the high ends of the O-4 and O-3 pay scales is:
($8,573.70 – $7,345.20) / $7,345.20 = 16.7% more pay (along with the great feeling of putting on those oak leaves),
and the percentage change between 3400 and 4000 points is:
(4000-3400) / 3400 = 17.6% more points. Of course 600 points is also 20 months – 12 years longer in uniform.
The total percentage change is [(1+ .167) x (1 + .176)] – 1 = 37%, so you’d hope that the promotion and the time would make a big financial change in your life.
In today’s dollars, using the 2021 pay tables for an O-3>28,
https://www.dfas.mil/MilitaryMembers/payentitlements/Pay-Tables/Basic-Pay/CO/
the High Three pension for 3400 points is (very roughly):
3400 / 360 x .025 x $7,345.20 = $1734/month
For an O-4>28 with 4000 points it’s:
4000 / 360 x .025 x $8,573.70 = $2381/month, or a boost of $647/month (37%).
That’s also $7764/year more inflation-fighting dollars (starting at age 60) for the rest of your life. Those numbers are all in today’s dollars, so you can compare them to your current expenses to see how much more you’d need in savings & investments to reach financial independence.
If you’re still feeling challenged & fulfilled in the Reserves (and looking forward to your O-4 promotion) then it might be worth the extra years for more dollars. However if you file for retired awaiting pay then you might be able to make up the financial difference with part-time civilian employment while you’re enjoying gray-area Tricare Reserve Retired health insurance. At age 60 you’d start Tricare (Select or Prime) and at age 65 you’d go on Medicare (and Tricare For Life) while starting Social Security somewhere between ages 62-70. Your savings & investments would only have to bridge the gap between today and the start of your pension.
If you’re seeking more work-life balance (and perhaps a better quality of life right now), then check your Notice Of Eligibility and think about filing for retired awaiting pay.
Thanks for the article! I enjoyed gleaning all the information, particularly about going from Active Duty to Reserves. Question though: If I get out of active duty at the 10 year point (under BRS) and do 10 years of reserves to reach retirement plus 10 years of federal civilian work, how do the pension calculations work for the reserves? Will it be BRS since I opted into BRS while on active duty? If so, is it advantageous from a retirement pay standpoint to do reserves if I already have access to TSP via my federal civilian job? Any advice would be appreciated!
Thanks for your questions, Lauren!
When you opted in to the BRS, you made a one-time irrevocable decision for your career in all branches of the military. You’ll have the BRS in the Reserves or Guard, just as you do on active duty. (However the Reserve multiple for the BRS Continuation Pay contract is a lot smaller than the active-duty multiple.) You’ll use the BRS version of a Reserve pension calculator, or you could do it manually from this post:
https://the-military-guide.com/reserve-retirement-calculator/
When you move to the federal civil service (and that TSP account), then you’re still eligible for matching contributions from both your military TSP account and your civil-service TSP account. You’ll still have the same overall contribution limit (the elective deferral limit for 2020 is $19,500) but you can split it between the two accounts.
Depending on your military rank and your GS salary, as well as how much time you spend on Reserve orders (and on leave without pay from your civil-service job), you’ll have to do the math to figure out the optimum combination of contributions and matching.
Keep in mind that your civil-service FERS pension can also be boosted by buying your military service credit deposit. You can earn both a military Reserve pension and a FERS pension at the same time– you’ve earned it and you’re paying for it. More information on that process is at this military vet’s site:
http://gubmints.com/2013/03/26/gubmints-comprehensive-military-service-credit-deposit-guide/
I am having a impossible time getting information on my husbands Army Reserve Points for 1963 through 1971. I have tried, points center but not all point statements are in his small file. I am trying to find another way because we want o buy a house. Any suggestions?
I’m not sure how your spouse’s point count will affect his VA loan benefit, but you can obtain his DD-214 and some records from the National Archives:
https://www.archives.gov/veterans/military-service-records
If you’re trying to obtain a Certificate of Eligibility for a VA loan then I’d contact the VA’s Regional Loan Center in your area.
https://www.benefits.va.gov/homeloans/contact_rlc_info.asp
You could also talk with a Veteran Service Officer about what records or other documentation is needed. Their free services are available from some VA clinics or your local chapters of the VFW, DAV, American Legion, or even MOAA.
Finally you might be able to obtain more help from your state department of veteran’s affairs.
https://www.va.gov/statedva.htm
They could help you figure out your lender requirements and any other state benefits to which you might be entitled.
Andrew, read the text at the paragraph titled “Army National Guard Retirement Calculator” and click on the second link:
https://www.hrc.army.mil/Calculators/RetirementCalc.aspx
You can also do your own (manual) calculation at this post:
https://the-military-guide.com/calculating-a-reserve-retirement/
Army National Guard 23 years……..E/6 so how much pension help
I did 15 years in the Pennsylvania Army National Guard in Philadelphia can I get a pension
James, in general a servicemember has to reach 20 years to be eligible for a pension. The services have occasionally offered a Temporary Early Retirement Authority program for as little as 15 years, but not to Reserve/Guard members. There are also medical retirements, but that’s a different program for permanent disability.
Here’s a link to (USMC) Manpower & Reserve Affairs regarding retirement.
https://www.manpower.usmc.mil/portal/page/portal/M_RA_HOME/MM/SR/RETIREMENTS
There is no calculator, just more instructions on how to calculate. There is a link for a PDF called “Marine Corps Retirement Guide” dated May 2012 with more information.
And there is not a pay calculator at Marine Online — just PFT and CFT calculators, and a Composite Score Calculator for promotions up to Sgt (E-5).
Thanks, Rob, I added the links to the Marine section of the post!