Military Financial Intelligence
MIL-MULTIPLIER
Free calculators that show what your service is actually worth — total pay, benefits, education, and the civilian salary you'd need to match it all.
20+ Tools
Used by thousands of service members
No account needed
Built by an active duty NCO. Free, no signup, no email. Share with anyone it'd help.
01
See my total compensation
Base pay, BAH, BAS, and the civilian salary you'd need to match it all.
02
Look up my BAH rate
2026 housing allowance for any ZIP code and rank. 40,959 ZIPs covered.
03
Should I stay to 20?
Run the retirement math — High-3, BRS, and what your pension is actually worth.
Retirement Income Summary
Pension, VA disability, and TSP in one view — your total monthly retirement picture.
01 Active Duty Pay & Allowances
Most Popular
Full Compensation Calculator
Total pay, BAH, BAS, COLA, special pays, taxes, and the civilian salary you'd need to match it.
BAH Calculator
2026 housing allowance by ZIP and rank. 40,959 ZIP codes, all ranks.
BAH Rates by Base
Compare housing allowances across 40 major installations.
2026 Pay Charts
Complete base pay tables for all ranks and years of service.
New2027 Pay Chart
Projected 2027 base pay under the 7-6-5 plan and the 3.6% formula.
New2027 BAH Outlook
When the 2027 BAH rates come out and what to expect before December.
2026 BAS Rates
Basic Allowance for Subsistence — $476.95 enlisted, $328.48 officers. Tax-free.
CONUS COLA Calculator
Stateside COLA for 18 high-cost areas. 2,612 ZIP codes.
OCONUS COLA Calculator
Overseas COLA for 239 duty stations across 46 countries.
OHA Calculator
Overseas housing for Germany, Japan, Korea, Italy, UK, Spain.
Cost of Living Compare
Compare living costs between duty station areas.
Deployment Pay Calculator
Hostile fire pay, FSA, hardship duty, and the combat zone tax exclusion in one estimate.
Bonus Tax Calculator
What a reenlistment bonus actually pays after the 22% withholding, FICA, and your real bracket.
Special & Incentive Pays
Jump pay, HALO, FSA, hardship duty. The 2026 flat rates straight from the DFAS tables.
TRICARE Cost Calculator
Prime or Select. Enrollment fees, deductibles, copays, and the catastrophic cap on 2026 rates.
2027 Military Pay Dates
Every 2027 payday, with the 7 that come early for weekends and holidays.
How to Read Your LES
Click any section of the LES to see what it means and what to check.
Army Promotion Points
SGT and SSG points on the 800-point scale, and the fastest points left.
02 Guard & Reserve
Guard/Reserve Pay Calculator
Drill pay, AT income, Tricare Reserve Select savings, and total annual compensation.
Drill vs AT vs ADOS Calculator
Compare take-home and retirement points across duty types, and see which BAH applies at each order length.
Good Year Calculator
Track this anniversary year against the 50-point minimum and the inactive-duty cap, and see the gap.
Reserve Retirement Calculator
Retirement points, the 50 point year, and what your gray area pension is worth at 60.
03 Financial Planning
New
TSP Calculator
TSP growth projections with BRS matching, promotion-aware pay, and retirement income estimates.
NewVA Home Loan Calculator
VA vs conventional — zero down, no PMI, see the real savings.
PCS Move Calculator
DLA, mileage, per diem, TLE, and PPM/DITY profit estimator.
NewTDY Per Diem Calculator
Lodging and M&IE for temporary duty — 75% travel days, meal deductions, CONUS & OCONUS.
PCS Rent vs Buy
Invest-the-difference math, VA funding fee logic, and a PCS Risk Score for your next duty station.
Sell or Rent Your Home
PCS decision math with the military §121 tax exclusion, monthly cash flow, and suspended losses.
SBP Calculator
Survivor Benefit Plan premiums against the annuity. The break even is 3.5 years.
BRS Lump Sum & Continuation Pay
What the lump sum pays at the 2027 discount rate, and what it costs you until 67.
04 Education Benefits
05 Transitioning
Data-Driven
MOS → Civilian Job Translator
Career matches with salary ranges, resume bullets, and certifications. 373 MOS codes.
Transition Timeline
Month-by-month separation planning checklist.
Terminal Leave vs Sell-Back
Taking leave beats selling it back on pure dollars. See the gap for your rank.
VGLI vs Term Life
The 240 day conversion window, and when VGLI beats a commercial term policy.
Military Buyback (FERS)
The 3% service deposit, interest, and how fast a bigger federal pension pays it back.
06 Veterans
VA Combined Ratings Calculator
Combine multiple ratings with VA math and see what it pays. Estimate.
VA Compensation Rates
2026 VA disability payments by rating and dependents.
Veteran Benefits by State
State taxes on military retirement, property-tax breaks, and education perks, compared.
VA Back Pay Calculator
Month-by-month retro pay from your effective date to your decision.
CRDP vs CRSC
Which program returns more of your offset retired pay after tax.
Survivor Benefits
Complete financial picture for families of fallen service members and veterans. DIC, SGLI, Fry Scholarship, SBP.
Retirement Calculator
High-3 vs BRS pension with VA disability and TSP overlay.
07 Guides & Analysis
VR&E Explained: The Benefit Worth More Than the GI BillEducation
TA vs GI Bill vs VR&E: Which Should You Use First?Education
GI Bill BAH: Why School ZIP Matters More Than TuitionEducation
VET TEC 2.0: New Rules, Applications OpenEducation
Should I Stay in the Military to 20 Years?Career
What Civilian Salary Do I Need?Transition
TSP Loan vs AER vs Personal Loan: The Real MathFinance
The COLA Trap: Don't Budget Around Overseas AllowancesPCS
The Roth TSP Advantage Nobody Explains to Junior EnlistedTSP
08 BAH by Installation
2026 housing allowance for every rank at 40 major installations, pre-rendered from the official DoD rate file.
Army Installations
Navy & Marine Corps Installations
Air Force & Space Force Installations
BAH for every military housing area338 housing areasCivilian careers by MOS, rating & AFSC673 military job codesOverseas housing (OHA) & COLA by location319 overseas localitiesPer diem rates by state297 higher-cost areas
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