Civilian Pay to Equal Military Take Home Pay

Many new military retirees accept starting salaries that sound attractive … and then are shocked when their first (net) civilian paycheck is significantly smaller than they had expected. That’s because they forgot to consider that civilian salaries are fully taxable, whereas they’ve been used to having a portion of their military compensation tax-exempt (subsistence and housing allowances). MOAA built the calculator below to help retiring or separating members better understand what civilian salary they’ll have to earn to realize the same take-home pay they had in the military. Remember that this is just a first-level calculator. You also may need to account for civilian contributions to a 401(k) retirement plan, health insurance, and other expenses. (Please note State Tax Disclaimer)

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For more information about these these financial calculators please visit: Financial Calculators from KJE Computer Solutions, Inc.

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.