VetLedger — Military Retirement Planner

VETLEDGER

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Know Your Worth

The most complete military retirement calculator. Built for those who served.

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2026 Pay TablesAuto-calculate base pay by rank & years

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VA Disability + DependentsOfficial 2026 rates with spouse & children

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State Tax ComparisonCompare tax obligations by zip code

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TRICARE Cost EstimatorPrime vs Select, Individual vs Family

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Medical RetirementUnder 20 years calculation support

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SERVICE BRANCH

PAY GRADE / RANK

Pay grade

TIME IN SERVICE

Years

Months

RETIREMENT SYSTEM

Medical retirement (under 20 years)

2026 Base Pay (auto-calculated)

Pay gradeE-5

Years of service20

Monthly base pay$0

Annual base pay$0

MARITAL STATUS

DEPENDENTS

Children under 18

Children 18–23 (in school)

Dependent parents

VA DISABILITY RATING

Combined VA disability rating

LOCATION & TAXES

Current zip code

Planned retirement zip

ADDITIONAL INCOME

Expected monthly income after retirement

RETIREMENT PAY SUMMARY

MONTHLY RETIREMENT

0% of base

ANNUAL RETIREMENT

before taxes

VA DISABILITY / MO

tax-free

TOTAL MONTHLY

after est. state tax

STATE TAX COMPARISON

10-YEAR PROJECTION (2.8% COLA)

10-YR RETIREMENT

with COLA

10-YR VA + RETIRE

combined

20-YEAR PAY PROJECTION

SCENARIO COMPARISON

TRICARE PLAN SELECTION

Plan type

Coverage

Beneficiary group

2026 TRICARE Costs

Annual enrollment fee$0

Monthly premium$0

Annual deductible$0

Primary care copay$0

Catastrophic cap$0

Est. annual cost$0

View full TRICARE costs at tricare.mil/costs →

TOTAL COMPENSATION PACKAGE

RETIREMENT PAY

per year

VA DISABILITY

tax-free / yr

HEALTHCARE VALUE

vs civilian avg

TOTAL PACKAGE

annual equiv.

Medical Retirement Info

2026 Base Pay (auto-calculated)

2026 TRICARE Costs