Military to civilian pay calculator — what salary do you actually need?

AfterDuty converts your military compensation into the civilian salary that would match it. Enter your rank, years of service, dependents and duty-station ZIP, and it accounts for the parts of your pay a civilian offer has to replace: base pay, BAH at your exact housing area, BAS, the federal tax advantage on your untaxed allowances, FICA, state income tax in all 50 states plus DC and Puerto Rico, and the value of TRICARE.

It also models VA disability compensation, TSP and 401(k) contributions, 20-year retirement scenarios, Reserve and Guard service, and a separation-date timeline showing which transition deadlines — TAP, BDD, TAMP, CHCBP, VGLI — are still open to you.

Free, no account, and no calculator input ever leaves your browser. Built by an active-duty Airman preparing for his own transition.

Where the numbers come from

Basic pay is built from the Executive Order that sets it, cross-checked against DFAS. BAH resolves every one of the 40,959 ZIP codes in the Department of Defense housing-area crosswalk, so a rural ZIP is never quoted a nearby metro's rate. VA disability uses the rates published effective 1 December 2025. Cost-of-living figures state their own source on screen, and locations paid Overseas Housing Allowance instead of BAH are shown as such rather than given an invented number.

Sections

• Pay calculator — the civilian salary that matches your military compensation
• Transition resources — VA claims, benefits and separation deadlines
• Job sites — where separating service members actually look
• Education — GI Bill and school selection
• Overseas destinations — where retirement and VA income goes furthest

Estimates only, not financial advice. Not affiliated with the Department of Defense, the Department of War, or the Department of Veterans Affairs.