Military & veteran finance tools

Free calculators for service members and veterans — VA loan affordability, TSP growth, BAH, military pension, and PCS moves. Every tool shows real numbers.

22 resources

Calculator BAH Buy vs Rent Calculator: Make Your Housing Allowance Work Harder See whether your BAH goes further renting or buying at your current duty station, including equity built and PCS break-even. Open → Calculator BRS vs Legacy High-3 Retirement Value Calculator Compare the true lifetime pension value of the Blended Retirement System against Legacy High-3, including TSP match you keep or forfeit. Open → Calculator Combat Zone Roth TSP Supercharge: Tax-Free Pay Into Tax-Free Growth Calculate the permanent wealth created by contributing combat-zone tax-free pay into Roth TSP, stacking two layers of tax exemption. Open → Calculator Deployment Savings Sprint: How Much Wealth Can One Tour Build? Model the total wealth created during a single deployment — saved BAH, tax-free pay, SDP interest, and Roth TSP contributions compounded forward. Open → Calculator GI Bill Transfer Value: Use It Yourself or Give It to Your Child? Compare the dollar value of using your Post-9/11 GI Bill yourself versus transferring it to a dependent, accounting for inflation and timing. Open → Calculator High-3 Average Calculator: Your Pension Base and Survivor Benefit Calculate your High-3 (highest 36-month average basic pay) pension base, projected monthly pension, and Survivor Benefit Plan payout. Open → Calculator Military Pension COLA Lifetime Value: What Your Pension Is Really Worth Project the lifetime value of a military pension with annual COLA increases, in both nominal and present-value dollars. Open → Calculator Military Total Compensation Calculator: Your True Salary Including Hidden Benefits Add up every component of military compensation — basic pay, allowances, tax advantages, pension accrual, and healthcare — to see your true total package. Open → Calculator PCS Runway Calculator: Can Your Savings Bridge the Moving Gap? Model your cash flow during a PCS move — DITY reimbursements, moving costs, BAH gaps, and months of coverage before new pay arrives. Open → Calculator Reserve & Guard Retirement Points Calculator: What Your Drills Are Worth Convert your drill points into a projected Reserve or Guard monthly pension and see how many more points you need to reach 20 good years. Open → Calculator Roth TSP vs Traditional TSP: Which Saves You More After Tax? Compare after-tax retirement wealth between Roth and Traditional TSP given your current and expected retirement tax rates. Open → Calculator Savings Deposit Program (SDP) Calculator: 10% Guaranteed — Beat the Market? See how much the military SDP earns at 10% APR during deployment vs investing the same dollars in stocks or bonds. Open → Calculator Separation Lump Sum vs Full Pension: Is the Career Status Bonus Worth It? Model whether taking a lump-sum retention bonus at 15 years outweighs the permanent pension reduction, using break-even age and investment return analysis. Open → Calculator SGLI vs Private Term Life: Do You Actually Need Both? Compare the real monthly cost of SGLI against private term life insurance quotes and decide how much supplemental coverage makes sense. Open → Calculator TRICARE vs Civilian Health Plan: True Annual Cost Comparison Compare your real annual healthcare cost under TRICARE versus a civilian employer plan, including premiums, deductibles, and expected out-of-pocket spending. Open → Calculator TSP Match Maximizer: The 5% You Cannot Leave Behind See exactly how much free government match you forfeit each year by under-contributing to TSP, and what that costs you over your career. Open → Calculator TSP Millionaire Timeline: How Fast Can Your TSP Reach $1 Million? Calculate exactly how many years it takes for your TSP to hit $1 million (or your own target), given current balance, contributions, match, and growth. Open → Calculator VA Disability Tax-Free Value Calculator: What Your Rating Is Really Worth Calculate the taxable salary equivalent of your VA disability compensation — because tax-free income is worth more than the same number on a paycheck. Open → Calculator VA Loan True Cost vs Conventional: Is 0% Down Really Free? Compare the total 30-year cost of a VA loan (with funding fee) against a conventional mortgage including PMI and the opportunity cost of your down payment. Open → Guide BRS vs High-3: Which Military Retirement Is Actually Worth More? A full lifetime-dollar breakdown of the Blended Retirement System versus Legacy High-3, including the TSP match most comparisons ignore. Open → Guide How to Become a TSP Millionaire on Military Pay The exact contribution rate, fund choice, and timeline that take a service member from enlistment to a seven-figure Thrift Savings Plan. Open → Guide VA Loan vs Conventional: The Real Cost of 0% Down What the VA funding fee, no PMI, and zero down payment actually add up to versus a conventional loan — with a full worked cost comparison. Open →