Know exactly when to retire — and what you’ll be paid.
Data-driven tools for pension, TSP, BRS, VA Disability, and taxes — plus an AI copilot that knows military benefits and builds your complete plan.
Ballpark only — full plan adds High-3 averaging, taxes, SBP, Tricare & COLA timing.
Keep more of your pension. Your state decides how much.
40 states don’t tax military retirement pay at all. Tap your state to see where it stands on retirement pay, property tax breaks, and education benefits.
Military Retirement Tax
Four decisions that make or break your retirement
Pension & pay
Rank, years, and system → accurate retirement pay, with SBP, Tricare, VGLI and VA disability.
TSP & BRS
TSP growth with matching, plus BRS lump-sum breakeven and after-tax what-ifs.
Taxes & location
Federal and state tax impact — compare where to retire and keep more of your pension.
Timing & your plan
Find your best retirement month, then assemble the full plan — every calculator in one place.
An AI that actually knows military benefits
A multi-agent planner assembles your complete plan — pension, taxes, benefits, next steps — with citations from a curated military-benefits knowledge base and live web research. It remembers your grade, timeline, and family between chats.
- Cites its sources — no black-box answers
- Remembers your situation across sessions
- Export to PDF or share with your spouse
Real tools, real numbers — not another blog
Every screen below is the live product doing the math. Tap a tool to watch it run.
Two short walkthroughs, start to finish
Your financial data, protected end to end
Your numbers are encrypted in transit and at rest, are never sold, and are never used to train AI models. Retirement planning takes real financial detail — we treat it that way.
The decisions ahead of you are worth six figures. The tools should cost less than a case of beer.
Picking the wrong retirement month can cost you thousands in lifetime COLA. The SBP election is irrevocable and worth over $100,000 in lifetime value for many families. A BRS lump sum taken without a breakeven analysis can quietly give back years of pension. For context: a one-time professional retirement analysis typically costs $1,500–$3,000. We built the same math into software — and it stays current with every pay table, COLA adjustment, and tax bracket change.
Military Retirement Planner is educational software — not financial, tax, or legal advice. Confirm figures with DFAS and a qualified professional before making irrevocable elections.
A complete retirement pay estimate — free forever.
Everything a $3–6 estimator app charges for, plus the lines they leave out.
Get started- Full single-scenario estimate: pension (Active or Guard/Reserve), SBP premium, Tricare, VGLI, VA disability, and federal tax — a real net check
- TSP growth projection from your monthly contribution
- Your planned retirement month’s exact COLA impact
- Save 2 scenarios and compare them
- Retirement budget planner
- BAH lookup and life insurance needs (DIME) calculator
- Current pay calculator — coming soon
- Personal statement of military compensation — coming soon
The decision tools: compare, optimize, and retire without leaving money on the table.
Less than one dinner out per month, against decisions measured in tens of thousands.
Upgrade to Pro- Everything in Free, plus:
- State tax and second-career income modeling — see what location actually costs you
- COLA Optimizer — all 12 retirement months ranked, with backtests
- BRS lump sum breakeven — after-tax, with survival probability
- SBP vs. private insurance analysis with Monte Carlo
- 50-state tax comparison and full state benefit reports
- Unlimited scenarios and what-if comparison
- Career progression modeling + percent-of-pay TSP
- Contributions & tax optimizer
- Military benefits knowledge base + AI Q&A chat with memory (1M tokens/month)
- Export and print the tools you have access to
A complete AI-built retirement plan in minutes.
About 1% of what a one-time professional retirement analysis typically costs.
Start 7-day free trial- All Pro features
- AI Retirement Planner — unlimited AI-built plans
- 4M AI chat tokens/month (4× Pro) + premium models
- Web research citations alongside the knowledge base
- PDF + interactive HTML plan exports, share with your spouse
- 7-day free trial — cancel anytime
- Separation vs. retire vs. continue-serving comparison planner — coming soon
Need more AI? One-time credit top-ups start at $3.49 — they never expire, and pause (not vanish) if your plan lapses.
Frequently asked questions
Ready to plan with confidence?
Build your first plan free — no card required. Upgrade for the full AI planner anytime.
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