About the Comparison Calculator

Welcome to the Department of Defense Blended Retirement System Comparison Calculator. This calculator is designed to assist eligible service members in comparing the legacy military retirement system (commonly referred to as the High-3 System) and the Blended Retirement System (BRS). It is intended to be used in conjunction with the mandatory BRS Opt-In Course. The Opt-in Course should be taken prior to using this calculator. Taking the course will assist you in understanding and using this calculator. Attention Message goes here ... I am in the Active Component Active Component refers to full-time occupation in the Uniformed Services, as opposed to the Reserve Component. Members serving full-time as part of the Active Guard Reserve (AGR) program should select the “Reserve Component” option. If a member of the AGR program has sufficient points/credits and/or intends to retire with at least 20 active service years, the calculator will automatically convert the Service member to a regular retirement. Active Component Reserve Component The Reserve Components of the Armed Forces include the Army National Guard of the United States, the Army Reserve, the Navy Reserve, the Marine Corps Reserve, the Air National Guard of the United States, the Air Force Reserve, and the Coast Guard Reserve. The Reserve comprises the Selected Reserve (including those in the Active Guard Reserve (AGR) programs), the Individual Ready Reserve, the Standby Reserve and the Retired Reserve. Reserve Component My last Separation Select the component from which your last separation from service will occur. For example, if you are Active Component and plan to go into the Reserve Component to participate after leaving the Active Component, you would select Reserve component. separation Active Component Reserve Component Get Started More Info DISCLAIMER: This calculator is provided for informational purposes only. It is not intended to be used as an investment advisory tool or as a guarantee of the duration of the elected monthly payment amount.

About Your Personal Information

Welcome to the Department of Defense Blended Retirement System Comparison Calculator. This calculator is designed to assist eligible service members in comparing the legacy military retirement system (commonly referred to as the High-3 System) and the Blended Retirement System (BRS). It is intended to be used in conjunction with the mandatory BRS Opt-In Course. The Opt-in Course should be taken prior to using this calculator. Taking the course will assist you in understanding and using this calculator. Attention Message goes here ... Personal Information When were you born? January February March April May June July August September October November December 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 What is your Pay Entry Base Date The date that denotes how much of an individual's service is creditable towards longevity for pay purposes. This date can be adjusted based on breaks in service. It is referred to by the Army as the "Pay Entry Basic Date," by the Navy and Marine Corps as “Pay Entry Base Date, ” by the Air Force as the "Pay Date," and by the Coast Guard as "Pay Entry Base Date." It can be found on your Leave and Earnings Statement. Pay Entry Base Date What is your current grade? E-1 E-2 E-3 E-4 E-5 E-6 E-7 E-8 E-9 W-1 W-2 W-3 W-4 W-5 O-1 O-1E O-2 O-2E O-3 O-3E O-4 O-5 O-6 O-7 O-8 O-9 O-10 What is your estimate of service at separation or retirement? 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 year(s) month(s) When would you Opt into Blended Retirement The opt-in or election period for the Blended Retirement System ended on December 31, 2017. Service members with an approved hardship extension can opt into blended retirement starting on or after January 1, 2019. opt into the BRS September October November December 2020 2021 When do you plan to join the Reserve component? year(s) month(s) When do you plan to join the Active component? year(s) month(s) What is your total number of Active Service Active Service includes Active Duty (AD) and full-time National Guard duty (FTNGD). AD days includes any prior active duty service and when a Reserve Component Service member is called to active duty, including being mobilized, deploying, training, Active Guard Reserve (AGR), annual training, etc. Active Service How many Qualifying Years A "Qualifying Year" in the Reserve Component means the Service member earned a minimum of 50 retirement points and was credited with a year towards a non-regular retirement. Service that results in fewer than 50 retirement points in a given year will not count as a "Qualifying Year" towards retirement. qualifying years How many retirement points in total do you have to date? Previous Continue More Info DISCLAIMER: This calculator is provided for informational purposes only. It is not intended to be used as an investment advisory tool or as a guarantee of the duration of the elected monthly payment amount.

About Your Retirement Information

Under the Blended Retirement System you will be eligible for Continuation Pay between 8 and 12 years of service if you agree to certain conditions. Attention Message goes here ... Retirement Information Set your Life Expectancy The average life expectancy of a Uniformed Service member is 85 years; accordingly, the calculator defaults to age 85 although you can adjust this number accordingly. life expectancy 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 Set your TSP Withdrawal Age Generally, you can begin withdrawing your TSP as early as age 59½ with no IRS penalty. The default for withdrawal age is set to age 67. Click below to learn more about TSP withdrawals. TSP withdrawal age 59 60 61 62 63 64 65 66 67 68 69 70 years 0 1 2 3 4 5 6 7 8 9 10 11 months Set your TSP Contribution Rate The amount (expressed as a percentage) that you contribute to your TSP through payroll deduction. The Government will match up to 5% of your contributions, thus the default is set to 5%. Learn more about automatic and matching contributions below. contribution rate % Set your TSP Rate of Return A rate of return is the gain or loss on an investment over a specified time period, expressed as a percentage. rate of return % Set your retirement pay age years months Previous Continue More Info DISCLAIMER: This calculator is provided for informational purposes only. It is not intended to be used as an investment advisory tool or as a guarantee of the duration of the elected monthly payment amount. Results do not take into account the following Internal Revenue Code (IRC) limits: elective deferral, section 415(c), and catch-up contribution. These limits, which may change every year, determine the maximum annual amount that you and/or your employing agency can contribute to the TSP on your behalf.

About Your Career Progression

The formula below is programed to display a typical military career progression and will generally fit most service member profiles. However, you can override the formula by adjusting your career progression. Attention Message goes here ... Career Progression High-36 Past Year Grades YOS Age Year Grade Career Service Retirement Points RowIndex YOS Age Year Grade Override Component Active Inactive Mbr Previous Continue More Info DISCLAIMER: This calculator is provided for informational purposes only. It is not intended to be used as an investment advisory tool or as a guarantee of the duration of the elected monthly payment amount.



Under the Blended Retirement System you will be eligible for continuation pay between the completion of 8 to the completion of 12 years of service, dependent on guidance published by your Service, if you agree to continue serving for at least an additional three years. The default is set to receive continuation pay at 12 years of service at the minimum multiplier payment level (2.5x monthly pay for Active Component and AGR members and 0.5 monthly pay for Reserve Component members). Attention Message goes here ... Bonuses & Payments Add a Continuation Pay of 2.5 3 3.5 4 4.5 5 5.5 6 6.5 7 7.5 8 8.5 9 9.5 10 10.5 11 11.5 12 12.5 13 times my basic pay at completion of 8 9 10 11 12 years of service for 3 4 5 6 years payable in 1 2 3 4 installment(s) and deposit % into my TSP account Previous Continue More Info DISCLAIMER: This calculator is provided for informational purposes only. It is not intended to be used as an investment advisory tool or as a guarantee of the duration of the elected monthly payment amount.



The Blended Retirement System provides the opportunity for service members to elect to receive 25 percent or 50 percent of a portion of their retired pay as a lump sum upon retirement. This means you can receive money upfront as an advance on your own retired pay. Learn more about lump sum payment options below. Attention Message goes here ... Lump Sum I would like a 0 25 50 % lump sum from my pension payment in 1 2 3 4 installment(s) Previous Continue More Info DISCLAIMER: This calculator is provided for informational purposes only. It is not intended to be used as an investment advisory tool or as a guarantee of the duration of the elected monthly payment amount.

Results Change Options Print Based on the information that you provided, the following comparison between retirement systems has been calculated for you. Click on the following tabs to see the various options and amounts available to you at retirement. Overview

Present Value

TSP Summary

Lump Sum

All Payments

All Numbers

RC Numbers custom lump sum tooltip Your lifetime retirement benefit in: Today's Dollars Today's Dollars display what the projected benefits would be worth in today’s dollars. Today's Dollars Future Dollars Future Dollars reflect the estimated amounts you can expect to receive or spend when you retire. These amounts include projected pay increases. Future Dollars Continuation Pay at 12 years of service Government Retirement Benefit Total Retirement Package Present Value * * Dollars represent the year in which you separate or begin to receive monthly retired pay. More Info A Present Value (PV) calculation is a way to look at an amount of money or a series of payments which are due to you in the future to determine how much that future income is worth today. The PV of such payments is based on the number of payments, the amount of each payment, and the risk associated with the receipt of each payment. The underlying premise of the PV calculation is that a dollar held today has a higher value than a dollar received any time in the future. Blended Retirement Pension (2%) Legacy Retirement (High-3) Pension (2.5%) Service Member TSP Contribution Government TSP Contribution All TSP Net Present Value $2,545,093 $2,911,953 $209,963 $199,076 $409,039 This chart summarizes your TSP account based on the information you provided. Total Contribution Max Account Value The largest expected value of your account before withdrawals begin. Max Account Value Annualized Payment Your annual payments Annualized Payment Service Member TSP Contribution $476,515 $368,671 $39,709 Government TSP Contribution $451,805 $349,554 $37,650 TSP Total $928,320 $718,225 $77,359 More Info Reduced Pension: The amount of monthly retired pay you will continue to receive after electing a lump sum payment of your retired pay. Details Total Lump Sum Installment Reduced Pension The amount of monthly retired pay you will continue to receive after electing a lump sum payment of your retired pay. Reduced Pension Full Pension The amount you will receive when your monthly retired pay reverts to its full payment amount after you reach the Social Security Retirement Age (for Service members born on or after 1960, this is age 67). Full Pension - $0 $0 $0 $0 More Info Calendar Year Pay Grade Military Pay Continuation Pay Service Member TSP Contribution Gov't TSP Contribution BRS Pension Service Member TSP Payout Gov't TSP Payout BRS Retirement Total Legacy Retirement

(High-3) Total Career Record ID Calendar Age Grade Component Current Pay

Today's $ Current Pay

Future $ Pay

Today's $ Pay

Future $ Bonus

Today's $ Bonus

Future $ DB DB

(LS payout) High 3 TSP - SM

contribution TSP - SM TSP - SM

Payout TSP - G

contribution TSP - G TSP - G

Payout Export All #'s (by month) Table Career Record ID Calendar Age Grade Component AD Days IA Days Membership

Points Pay Points Current Pay

Today's $ Current Pay

Future $ Retirement

Points Total

Points Good Year Export All #'s (by RC) Table DISCLAIMER: This calculator is provided for informational purposes only. It is not intended to be used as an investment advisory tool or as a guarantee of the duration of the elected monthly payment amount.

Change Options

To see different payment amounts, you can change the information you entered in the calculator. Attention Message goes here ... Personal Information When were you born? January February March April May June July August September October November December 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 What is your Pay Entry Base Date The date that denotes how much of an individual's service is creditable towards longevity for pay purposes. This date can be adjusted based on breaks in service. It is referred to by the Army as the "Pay Entry Basic Date," by the Navy and Marine Corps as “Pay Entry Base Date, ” by the Air Force as the "Pay Date," and by the Coast Guard as "Pay Entry Base Date." It can be found on your Leave and Earnings Statement. Pay Entry Base Date What is your current grade? E-1 E-2 E-3 E-4 E-5 E-6 E-7 E-8 E-9 W-1 W-2 W-3 W-4 W-5 O-1 O-1E O-2 O-2E O-3 O-3E O-4 O-5 O-6 O-7 O-8 O-9 O-10 What is your estimate of service at separation or retirement? 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 year(s) month(s) When would you Opt into Blended Retirement The opt-in or election period for the Blended Retirement System ended on December 31, 2017. Service members with an approved hardship extension can opt into blended retirement starting on or after January 1, 2019. opt into the BRS September October November December 2020 2021 When do you plan to join the Reserve component? year(s) month(s) When do you plan to join the Active component? year(s) month(s) What is your total number of Active Service Active Service includes Active Duty (AD) and full-time National Guard duty (FTNGD). AD days includes any prior active duty service and when a Reserve Component Service member is called to active duty, including being mobilized, deploying, training, Active Guard Reserve (AGR), annual training, etc. Active Service How many Qualifying Years A "Qualifying Year" in the Reserve Component means the Service member earned a minimum of 50 retirement points and was credited with a year towards a non-regular retirement. Service that results in fewer than 50 retirement points in a given year will not count as a "Qualifying Year" towards retirement. qualifying years How many retirement points in total do you have to date? Retirement Information Set your Life Expectancy The average life expectancy of a Uniformed Service member is 85 years; accordingly, the calculator defaults to age 85 although you can adjust this number accordingly. life expectancy 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 Set your TSP Withdrawal Age Generally, you can begin withdrawing your TSP as early as age 59½ with no IRS penalty. The default for withdrawal age is set to age 67. Click below to learn more about TSP withdrawals. TSP withdrawal age 59 60 61 62 63 64 65 66 67 68 69 70 years 0 1 2 3 4 5 6 7 8 9 10 11 months Set your TSP Contribution Rate The amount (expressed as a percentage) that you contribute to your TSP through payroll deduction. The Government will match up to 5% of your contributions, thus the default is set to 5%. Learn more about automatic and matching contributions below. contribution rate % Set your TSP Rate of Return A rate of return is the gain or loss on an investment over a specified time period, expressed as a percentage. rate of return % Set your retirement pay age years months ATTENTION: You are not eligible to receive Continuation Pay. Click Below to recalculate. Career Progression High-36 Past Year Grades YOS Age Year Grade Career Service Retirement Points RowIndex Component YOS Age Year Grade Override Member Type Active Inactive Mbr ATTENTION:You are not eligible to receive Continuation Pay. Click Below to recalculate. Bonuses & Payments Add a Continuation Pay of 2.5 3 3.5 4 4.5 5 5.5 6 6.5 7 7.5 8 8.5 9 9.5 10 10.5 11 11.5 12 12.5 13 times my basic pay at completion of 8 9 10 11 12 years of service for 3 4 5 6 years payable in 1 2 3 4 installment(s) and deposit % into my TSP account ATTENTION:You are not eligible to receive a Lump Sum. Click Below to recalculate. Lump Sum I would like a 0 25 50 % lump sum from my pension payment in 1 2 3 4 installment(s) Recalculate More Info DISCLAIMER: This calculator is provided for informational purposes only. It is not intended to be used as an investment advisory tool or as a guarantee of the duration of the elected monthly payment amount.