Calculators and decision tools, split on purpose.
Projections answer “what will it be?” — they’re free, forever. Decision tools answer “which, when, where, and whether?” — the comparisons, rankings, and breakevens that protect irrevocable choices. The AI planner ties every decision into one plan.
A complete retirement pay estimate — free forever.
Everything a $3–6 estimator app charges for, plus the lines they leave out — free with an account, no card.
Complete Retirement Pay Estimate
- One scenario, every line item: pension (High-3, BRS, REDUX, Final Pay — Active or Guard/Reserve with points and gray-area timing), SBP premium, Tricare premium, VGLI, VA disability with offset, and federal tax — down to a net monthly check.
Quick Pension Calculator
- A ballpark pension number in seconds. Pick a pay grade and years of service, see projected monthly and annual pension, then jump into a full plan.
TSP Growth Projection
- Project your TSP balance to retirement from your monthly contribution, with BRS government matching and withdrawal modeling.
BAH Calculator
- Look up Basic Allowance for Housing by ZIP code, rank, and dependency status.
Life Insurance Needs (DIME)
- Estimate how much life insurance your family actually needs with the DIME method — debt, income, mortgage, education.
Retirement Budget Planner
- Build a realistic post-retirement budget with military-specific categories and see it against your projected net retirement income.
Compare, optimize, and retire without leaving money on the table.
Every locked tool teases a real number from your own projection first — you always see what the analysis is worth before you pay.
COLA Optimizer
- Rank all 12 retirement months by lifetime pension. The first-year COLA can make one month worth thousands more for life — see the best and worst months, historical backtests to 2000, and inversion warnings where serving longer pays less. Free shows your planned month’s exact impact.
BRS Lump Sum Breakeven
- Whether — and how much — lump sum to take. Breakeven analysis with survival probability, cumulative value charts, what-if investment planning, and after-tax impact for 0%, 25%, and 50% elections. An irrevocable election worth tens of thousands.
SBP vs. Private Insurance
- Make the irrevocable Survivor Benefit Plan election with data. Compare SBP against term, whole life, IUL, and a term + ETF strategy — death benefit, survivor income, lifetime costs, cash value, and Monte Carlo modeling. Free shows your SBP premium and benefit.
50-State Tax Comparison
- Where to retire — and what it costs you. Your own state’s tax on retirement pay plus all 50 compared: income tax brackets, military exemption details, property tax breaks for veterans, and education benefits. Location changes both what you earn and what you keep.
Unlimited Scenarios & What-If Comparison
- Model every path — different grades, dates, systems, elections — and compare them side by side. Free saves two scenarios.
Career Progression Modeling
- Project future promotions and pay raises across your career timeline so retirement scenarios use realistic pay progression — and TSP contributions can ride your growing income (percent-of-pay mode).
Second-Career Income Modeling
- Post-retirement W-2, 1099, self-employment, rental, and pension income streams with self-employment tax and combined tax impact.
Contributions & Tax Optimizer
- Estimate federal tax liability and maximize retirement contributions with interactive sliders, tuned to your military household.
AI Q&A Assistant
- A docked chat that follows you through every calculator and answers benefits questions with citations — and remembers your situation (1M tokens/month with Pro).
A complete AI-built retirement plan in minutes.
Every decision, assembled into one plan with citations — for about 1% of what a one-time professional analysis typically costs.
AI Retirement Planner
- A multi-agent AI builds a complete, personalized retirement plan — pension, taxes, benefits, next steps — with citations from a curated military-benefits knowledge base and live web research. Unlimited plans.
Premium AI Capacity
- 4M AI chat tokens/month (4× Pro) plus premium models for deeper analysis.
Exports & Sharing
- PDF and interactive HTML plan exports — share the complete picture with your spouse or advisor.
Start with the free estimate
Build your complete retirement pay estimate now — upgrade only when a decision is on the table.