Military Pay Calculator2026 Military Pay Chart, Base Pay, BAH & BAS Take-Home Estimator
Your military pay is 2026 basic pay for your grade and years of service plus tax-free BAH and BAS ($476.95 enlisted, $328.48 officers) and any special pays. Pick your grade and years to see gross monthly and annual pay, how much of it is tax-free, an estimated take-home figure and how your basic pay grows over a career.
Uses every cell of the DFAS 2026 military pay tables and the 2026 BAS rates, effective January 1, 2026.
Basic pay over your career
How military pay is calculated in 2026
Military pay is basic pay from the 2026 DFAS table for your grade and years of service, plus tax-free Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS), plus any special or incentive pays. Basic pay rose 3.8% on January 1, 2026; BAS is $476.95 a month for enlisted members and $328.48 for officers.
Only basic pay and most special pays are taxed. BAH and BAS are not, which is why a service member’s pay is worth more than the gross number suggests. This calculator shows both the gross and an estimated take-home figure.
The formula
Years of service are counted from your Pay Entry Base Date (PEBD). “Over 4” means more than four years, so a member with exactly four years is still paid at the “over 3” step.
2026 enlisted basic pay chart (monthly)
| Grade | 2 or less | Over 4 yrs | Over 8 yrs | Over 14 yrs | Over 20 yrs | Over 24 yrs |
|---|---|---|---|---|---|---|
| E-1 | $2,407.20 | $2,407.20 | $2,407.20 | $2,407.20 | $2,407.20 | $2,407.20 |
| E-2 | $2,697.90 | $2,697.90 | $2,697.90 | $2,697.90 | $2,697.90 | $2,697.90 |
| E-3 | $2,836.80 | $3,198.00 | $3,198.00 | $3,198.00 | $3,198.00 | $3,198.00 |
| E-4 | $3,142.20 | $3,658.50 | $3,815.40 | $3,815.40 | $3,815.40 | $3,815.40 |
| E-5 | $3,342.90 | $3,946.80 | $4,299.90 | $4,421.70 | $4,421.70 | $4,421.70 |
| E-6 | $3,401.10 | $4,068.90 | $4,612.80 | $5,130.30 | $5,267.70 | $5,267.70 |
| E-7 | $3,932.10 | $4,673.10 | $5,135.70 | $5,835.00 | $6,245.70 | $6,598.20 |
| E-8 | – | – | $5,656.50 | $6,247.20 | $6,995.40 | $7,481.70 |
| E-9 | – | – | – | $7,263.60 | $8,105.10 | $8,756.70 |
2026 officer and warrant officer basic pay (monthly)
| Grade | 2 or less | Over 4 yrs | Over 8 yrs | Over 14 yrs | Over 20 yrs | Over 24 yrs |
|---|---|---|---|---|---|---|
| O-1 | $4,150.20 | $5,222.40 | $5,222.40 | $5,222.40 | $5,222.40 | $5,222.40 |
| O-2 | $4,782.00 | $6,484.50 | $6,617.70 | $6,617.70 | $6,617.70 | $6,617.70 |
| O-3 | $5,534.10 | $7,382.70 | $8,125.50 | $9,004.20 | $9,004.20 | $9,004.20 |
| O-4 | $6,294.60 | $7,881.00 | $8,816.40 | $10,214.40 | $10,509.90 | $10,509.90 |
| O-5 | $7,295.40 | $8,894.10 | $9,461.40 | $10,715.10 | $12,032.70 | $12,394.80 |
| O-6 | $8,751.30 | $10,245.00 | $10,725.00 | $11,396.40 | $13,751.10 | $14,479.20 |
| W-1 | $4,056.60 | $4,859.10 | $5,584.20 | $6,346.50 | $7,010.10 | $7,010.10 |
| W-2 | $4,621.80 | $5,286.00 | $6,051.00 | $6,787.50 | $7,437.00 | $7,714.20 |
| W-3 | $5,223.30 | $5,736.90 | $6,431.10 | $7,397.70 | $8,476.50 | $8,879.70 |
Selected columns from the DFAS 2026 tables, effective January 1, 2026. The calculator uses every column. E-1 with less than 4 months of service is paid $2,225.70. Officer pay is capped at $15,408.30 a month (O-6 and below) under Level V of the Executive Schedule.
What is and is not taxed
Basic pay, most special and incentive pays (flight, dive, hazardous duty, sea pay), bonuses and leave sold back.
BAH, BAS, OHA, COLA overseas, family separation allowance and all pay earned in a combat zone tax exclusion area (up to the officer cap).
FICA is 7.65% of taxable pay (6.2% Social Security plus 1.45% Medicare). Allowances are exempt.
Depends on your state of legal residence, not where you are stationed. Several states do not tax military pay at all.
How to use this military pay calculator
- Pick your pay grade and yearsEnter years of service from your PEBD, not time in your current grade.
- Add your BAHBAH depends on your duty ZIP code, grade and dependents. Copy it from your LES or the official DoD lookup.
- Add special paysFlight, sea, jump, dive and hazardous duty pays, monthly, if you get them.
- Set your tax and TSPUse the federal rate that matches your W-4 bracket and your TSP percentage to see an estimated take-home.
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Military pay FAQ
An E-5 earns $3,342.90 to $4,421.70 a month in basic pay in 2026 depending on years of service, plus $476.95 BAS and BAH for their duty station. With over 6 years ($4,110.00 basic pay) and a $2,100 BAH, total pay is about $6,687 a month.
Find your basic pay in the 2026 DFAS table by grade and years of service, then add BAH (by ZIP, grade and dependents), BAS ($476.95 enlisted, $328.48 officers) and any special pays.
Basic pay and most special pays are taxed. BAH, BAS and other allowances are tax-free, and pay earned in a combat zone is excluded from federal income tax.
January 1, 2026. Basic pay rose 3.8% for all grades.
$476.95 a month for enlisted members and $328.48 for officers, effective January 1, 2026.
Time from your Pay Entry Base Date, including prior active and reserve service. It is not time in grade.
Twice a month, on the 1st and the 15th, with half of the monthly amount each time (mid-month and end-of-month pay).
Your LES includes exact tax withholding, SGLI, TSP elections, allotments, debts and partial-month entitlements. This calculator gives a clean monthly estimate.
No full BAH. Members without dependents in government quarters receive partial BAH, a small fixed amount, instead.
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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: basic pay comes from the complete DFAS 2026 tables (every grade and every years-of-service column), BAS from the 2026 DFAS rates, and the tables on this page are generated from the same data the calculator uses.
Spot a result that does not match an official source? Tell me and I will re-check it.
Sources
- DFAS: Military pay tables 2026
- Military Compensation (militarypay.defense.gov): Basic Allowance for Subsistence
- DoD BAH rate lookup (DTMO)
- IRS Publication 3: Armed Forces’ Tax Guide
Disclaimer: DexoCalc is independent and not affiliated with DFAS or the Department of War. Your Leave and Earnings Statement is the official record of your pay; tax figures here are estimates.
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