Question 1

How does the Stay vs Go calculator work?

Accepted Answer

The calculator uses Monte Carlo simulation to run 5,000+ scenarios comparing your lifetime earnings if you stay in the military versus leaving for a civilian career. It factors in military pension, TSP growth, civilian salary potential, taxes, and economic uncertainty.

Question 2

Should I stay in the military until 20 years?

Accepted Answer

It depends on your individual situation. The 20-year pension is valuable (50% of your high-3 average base pay for life), but you need to weigh it against civilian earning potential, quality of life, and your specific career goals. Our calculator helps you see the financial trade-offs.

Question 3

What is the military pension worth at 20 years?

Accepted Answer

Under the High-3 system, you receive 50% of your highest 36-month average base pay. For an E-7 at 20 years, this is roughly $2,500-3,000/month for life, plus COLA adjustments. The present value of this pension is typically $800,000-$1,200,000 depending on your age.

Question 4

Is BRS (Blended Retirement System) worth staying for?

Accepted Answer

BRS provides a 40% pension at 20 years (vs 50% for High-3) but includes government TSP matching of up to 5%. For many service members, especially those who may not stay to 20, BRS can be more valuable because you keep the TSP match even if you leave early.

Stay or Leave Military Calculator

Understanding the Stay vs Go Decision