Built by a service member, for service members.
Military Retirement Planner takes the guesswork out of the biggest financial decisions of your career — pension, SBP, TSP, VA disability, and taxes — and now builds a complete plan with you, backed by an AI assistant that actually knows military benefits.
Clarity for an irreversible decision
As an active-duty service member, I know how complex — and how consequential — retirement planning is. The wrong retirement month can cost thousands in lifetime COLA. The SBP election is irrevocable. A BRS lump sum taken without a breakeven analysis can quietly give back years of pension. Most of us make these calls once, with a spreadsheet and a rumor.
Military Retirement Planner was born to change that: trusted, data-driven tools that price your real numbers — not a gross estimate — and stay current with every pay table, COLA adjustment, and tax bracket. Our mission is simple: empower every member to make informed, confident decisions about their future.
Every part of the picture, in one place
One plan pulls together pension — Active Duty or Guard/Reserve — SBP, TSP growth, federal and state taxes, VA disability, Tricare, VGLI, COLA timing, and the BRS lump-sum decision, and resolves them to a single net check. On top of the calculators, an AI Retirement Planner assembles a complete, personalized plan in minutes, and a benefits Q&A assistant answers your questions from a curated military-benefits knowledge base — with citations, and memory of your situation.
A complete retirement pay estimate — free forever.
The decision tools: compare, optimize, and retire without leaving money on the table.
A complete AI-built retirement plan in minutes.
See the full feature breakdown on the features and pricing pages.
For everyone facing the transition
- Active-duty members nearing a retirement decision who want to maximize benefits and time their exit.
- Guard & Reserve planning a points-based, non-regular pension — including gray-area timing.
- Veterans & families optimizing post-service finances, healthcare, survivor benefits, and taxes.
- Financial advisors who specialize in military clients and need the real math, kept current.
World-class tools, kept honest
Our goal is to equip you with the tools and knowledge to approach retirement with clarity and confidence — and to keep your data private and encrypted while we do it. Thank you for trusting us to be part of your retirement planning journey.
Military Retirement Planner is educational software — not financial, tax, or legal advice. Confirm figures with DFAS and a qualified professional before making irrevocable elections.
Start with a free plan
Build your first retirement estimate free — no card required. Upgrade for the decision tools and the full AI planner anytime.
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