Uses official 2026 basic pay and 2026 tax rules. Future basic pay grows 2.5% per year; final rank is assumed held for the last 36 months. Savings are valued at age 65 and income runs through age 84. State taxes and TRICARE values are estimates. VA offsets assume regular longevity retirement and CRDP eligibility at 50% or higher; Chapter 61 and CRSC are not modeled.
Quick Start: Load Common Military Career Scenarios
Load preset values for common career decisions
Current Situation
BRS: 40% + TSP match | High-3: 50% pension
Comprehensive state tax modeling
Career average housing allowance (tax-free)
Basic Allowance Subsistence (auto-set)
Flight pay, hazardous duty, etc. (taxable)
Your TSP contribution (gov matches up to 5%)
Separation Path
Market rate for senior technical role
Annual salary increase rate
Performance bonus + stock/equity
Estimated disability rating (tax-free)
Your 401k contribution %
Employer match %
Military Retirement Path
Market rate for quality family healthcare coverage
Economic uncertainty + discount rate
Running complete financial simulation...
Complete Financial Monte Carlo Results
Probability Analysis
Separation wins in X% of scenarios
Median advantage: $XXX,XXX
Separation Path Outcomes
10th Percentile (Lower Outcome)
$0
50th Percentile (Median)
$0
90th Percentile (Upper Outcome)
$0
Retirement Path Outcomes
10th Percentile (Lower Outcome)
$0
50th Percentile (Median)
$0
90th Percentile (Upper Outcome)
$0
Distribution of Outcomes
Scenario Analysis
Complete Financial Risk & Analysis
Run simulation to see detailed analysis with complete financial modeling...