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.

Calculate Total Compensation View All Tools
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.

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 30 major installations.
2026 Pay Charts
Complete base pay tables for all ranks and years of service.
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.

02 Guard & Reserve

Guard/Reserve Pay Calculator
Drill pay, AT income, Tricare Reserve Select savings, and total annual compensation.

03 Financial Planning

New
TSP Calculator
TSP growth projections with BRS matching, promotion-aware pay, and retirement income estimates.
 New
VA 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.

04 Education Benefits

High Value
Education Benefits Calculator
GI Bill vs VR&E vs TA side by side. Total dollar value of every option.
VR&E Eligibility Screener
VA's most valuable education benefit — 48 months, no tuition cap.
GI Bill Transfer Calculator
Dollar value of transferring your GI Bill to dependents.

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.

06 Veterans

VA Rating Estimator
Combined VA disability rating and monthly compensation estimate.
VA Compensation Rates
2026 VA disability payments by rating and dependents.
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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: What Happened and When It's Coming BackEducation 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
View all guides →