Military Disability Retirement CalculatorChapter 61 Medical Retirement Pay, TDRL Minimum & VA Offset
Military medical retirement pays your High-3 times the greater of your DoD disability rating or 2.5% per year of service, up to 75%, with at least 50% while on the TDRL; under 30% with fewer than 20 years you get severance pay instead. Enter your grade, years and rating to see your retired pay, how the VA offset hits it and whether CRSC or CRDP can restore it.
Formula from DoD’s disability retirement rules and 10 U.S.C. 1401; High-3 from the DFAS 2026 tables.
With your VA compensation
How military disability retirement pay is calculated
Chapter 61 disability retired pay = High-3 × the greater of (a) your DoD disability rating or (b) 2.5% × years of service, capped at 75%. Members placed on the Temporary Disability Retired List (TDRL) receive at least 50% of High-3 while on it.
The Physical Evaluation Board (PEB) decides whether you are unfit and the military assigns a disability rating for the unfitting conditions, using the VA schedule. If that rating is 30% or more, or you have 20 or more years, you are retired; under 30% with fewer than 20 years, you are separated with severance pay.
The formula
The longevity part (method B) is taxable. Pay based on the disability percentage can be partly or fully tax-free for members who were in service on September 24, 1975, or whose disability is combat-related.
Retirement or severance?
| Situation | Outcome | Payment |
|---|---|---|
| DoD rating under 30%, under 20 years | Disability severance pay | 2 months’ basic pay × years (min. 3, or 6 if combat-related) |
| DoD rating 30% or more (or 20+ years) | Permanent disability retirement (PDRL) | Greater of rating % or 2.5% × years, × High-3, max 75% |
| Condition not yet stable | Temporary disability retirement (TDRL) | Same formula, but at least 50% of High-3 while on TDRL |
How the VA fits in
You cannot receive full retired pay and full VA compensation unless you qualify for CRDP or CRSC. Normally retired pay is reduced by the VA amount, and the VA part is tax-free.
Chapter 61 retirees with combat-related disabilities can get CRSC regardless of years served.
Concurrent Retirement and Disability Pay requires 20 years of service and a VA rating of 50% or more.
Medically retired members and families keep TRICARE as retirees, a major difference from severance.
How to use this calculator
- Enter grade and years of serviceHigh-3 fills in from the 2026 pay table; override it if you know yours.
- Enter your DoD disability ratingThe combined rating for unfitting conditions from your PEB findings.
- Choose PDRL or TDRLTDRL applies the 50% minimum while you are on it.
- Add your VA compensationSee the offset and what you would actually receive.
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See disability severance pay if your rating is below 30%.
Military disability retirement FAQ
Your High-3 times the greater of your DoD disability rating or 2.5% per year of service, capped at 75%. TDRL pays at least 50%.
30% or more from the military for your unfitting conditions, or 20 or more years of service. Below 30% with under 20 years means separation with severance pay.
The Temporary Disability Retired List, for conditions that are not yet stable. You get at least 50% of High-3 and are re-examined periodically, for up to 3 years.
The longevity part is taxable. The part based on the disability percentage may be tax-free if the disability is combat-related or you were in service before September 25, 1975.
Not both in full unless CRSC (combat-related) or CRDP (20 years and 50% VA) applies. Otherwise retired pay is reduced by the VA amount.
Yes. Medically retired members and their families are retirees for TRICARE purposes.
The DoD rates only the conditions that make you unfit for duty. The VA rates every service-connected condition, so the VA rating is often higher.
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Manzoor Ahmad
Calculator developer & web designer · 13+ years in web development and SEO
Last reviewed: October 30, 2026I am a pharmacist turned tech geek, and I design, code and test every calculator on DexoCalc myself. I have not served in the military, so this tool does not run on opinion: the formula and the 30%, 50% and 75% thresholds come from 10 U.S.C. 1401 and DoD’s disability retirement guidance, with High-3 from the DFAS 2026 tables and VA figures from the 2026 VA rate table.
Spot a result that does not match an official source? Tell me and I will re-check it.
Sources
- Military Compensation: Disability Retirement
- 10 U.S.C. 1401: Computation of retired pay
- DFAS: Combat-Related Special Compensation
Disclaimer: DexoCalc is independent and not affiliated with the Department of Defense (Department of War), the Department of Veterans Affairs or any military branch. Results are educational estimates; official records and your chain of command decide.
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