Calculators
Quick estimates for the big money decisions. Informational only — confirm against DFAS and VA.gov.
Retired pay estimator
Gross monthly pension. High-3 = 2.5%/yr, BRS = 2.0%/yr (BRS also adds TSP match, not shown).
SBP premium & annuity
Premium is 6.5% of the elected base; the survivor receives 55% of the base. Full coverage = your gross retired pay.
Reminder: do nothing and SBP auto-defaults to full Spouse Only at full retired pay. Reducing or declining requires your spouse's notarized concurrence.
VA combined rating
VA doesn't add ratings — it combines them on the whole-person scale, then rounds to the nearest 10%.
Combined-rating algorithm per 38 CFR 4.25. The bilateral factor (paired limbs) and the annually-updated dollar compensation table are not yet included — confirm against VA.gov before relying on these.
TRICARE: Prime vs Select
Retiree plan costs side by side. Enrollment is a 90-day deadline after retirement (not automatic).
| Cost | Prime | Select |
|---|---|---|
| Annual enrollment fee | $765 | $375 |
| Annual deductible | $0 | $300 |
| Catastrophic cap (family) | $3,000 | $4,381 |
2026 plan-year figures (tricare.mil) — refreshed annually each Jan 1. Catastrophic cap is per household.