MilCheckUPDATES
MilCheckUPDATES
Estimated take-home
MonthlyAnnual
$6,886
per month
WithoutWith deps
CONUSOCONUS
Special & incentive paysAll applicable pays
Sea Pay
—
Hazardous Duty Incentive Pay (HDIP)
—
Foreign Language Proficiency Pay (FLPB)
—
Aviation Incentive Pay (AvIP)
—
Family Separation Allowance (FSA)
—
Dive Pay
—
Special Duty Assignment Pay (SDAP)
—
Hostile Fire/Imminent Danger Pay (HFP/IDP)
—
HEALTHCARE CORPSMedical / Dental / Nurse
Medical Officer Special Pay
—
Medical Retention Bonus
—
Medical Board Certification Pay
—
Dental Officer Incentive Pay
—
Dental Retention Bonus
—
Dental Board Certification Pay
—
Nurse Corps Incentive Pay
—
Nurse Retention Bonus
—
Nurse Board Certification Pay
—
TOTAL PAYclick each for source$7,719
Basic Pay$4,110
Authority: 37 USC 1009; NDAA FY2026Effective 2026-01-01Last verified 2026-05-12View source
Basic Allowance for Housing (BAH)$3,132
Authority: 37 USC 403; DoD FMR Vol 7A Chapter 26Effective 2026-01-01Last verified 2026-05-12View source
Basic Allowance for Subsistence (BAS) — Enlisted$477
Authority: 37 USC 402; NDAA FY2026Effective 2026-01-01Last verified 2026-05-12View source
TOTAL DEDUCTIONSclick each for source$833
TSP Contribution (5%)$206
Authority: IRC 415(c); IRS Notice 2025-67; 5 USC 8432Effective 2026-01-01Last verified 2026-05-12View source
Federal Income Tax Withholding$287
Authority: 26 USC 1; IRS IR-2025-103; Revenue Procedure 2025-32; One Big Beautiful Bill (OBBB)Effective 2026-01-01Last verified 2026-05-12View source
State Tax — no state selected$0
Authority: —Effective —Last verified —
FICA (Social Security + Medicare)$314
Authority: 26 USC 3101; SSA Annual COLA DeterminationEffective 2026-01-01Last verified 2026-05-12View source
SGLI ($500,000 coverage)$26
Authority: 38 USC 1965-1980AEffective 2026-01-01Last verified 2026-05-12View source
Estimated take-home / mo$6,886
Sources updated periodically:DFAS pay tables
DTMO BAH & OHA
IRS Pub 15-T
DoD FMR Vol 7A
VA SGLI rates
Methodology

Every line. No black boxes.

We show every entitlement, deduction, and assumption that produced your number. Each row is sourced — click any line for the regulation, table, and effective date.

  • · Base pay from 2026 active duty tables
  • · BAH from current DTMO ZIP rates, with/without deps
  • · Special pays calibrated to per-event accrual
  • · Tax math uses IRS Pub 15-T bracket logic
ENTITLEMENTS
Basic Pay$4,110
Basic Allowance for Housing (BAH)$3,132
Basic Allowance for Subsistence (BAS) — Enlisted$477
DEDUCTIONS
TSP Contribution (5%)$206
Federal Income Tax Withholding$287
State Income Tax (VA)$203
FICA (Social Security + Medicare)$314
SGLI ($500,000 coverage)$26
Estimated take-home / mo$6,683

Every pay. Sourced. Allowances, special pays, and healthcare corps.

Pay & Allowances

Pay

Basic Pay

Your monthly base. Scales with pay grade and years of service per the DoD pay table.

2026 pay tables

Validated May 2026

Allowance

BAH

Basic Allowance for Housing. ZIP-based rate covering local rental market costs for CONUS members.

With/without dependents

Validated May 2026

Allowance

BAS

Basic Allowance for Subsistence. Flat monthly food stipend — officer and enlisted rates differ.

Officer & enlisted

Validated May 2026

Allowance

OHA

Overseas Housing Allowance. The OCONUS equivalent of BAH, set monthly by DTMO for each duty location.

620 localities · 192 countries

Validated May 2026

Allowance

CONUS COLA

Cost-of-living adjustment for high-cost ZIP codes in the continental US. Supplements BAH.

High-cost ZIP codes

Validated May 2026

Special & Incentive Pays

Special Pay

Sea Pay

Per-day accrual that scales with consecutive sea duty. Career sea pay premium kicks in at 36 months.

Sea pay schedule

Validated May 2026

Special Pay

Aviation Incentive Pay

Monthly bonus for rated aviators. Rate scales with years of aviation service.

AvIP tiers

Validated May 2026

Special Pay

Submarine Pay

Monthly incentive for qualified submariners on active submarine duty.

Cumulative sub years

Validated May 2026

Special Pay

Dive Pay

Monthly pay for qualified divers, from Navy E master divers to Army combat divers.

Dive categories

Validated May 2026

Special Pay

HDIP

Hazardous Duty Incentive Pay — parachuting, demolition, toxic fuels, flight deck. Stackable per condition.

Conditions list

Validated May 2026

Special Pay

Foreign Language Pay (FLPB)

Monthly bonus per qualifying language at the certified ILR proficiency tier. Up to $1,000/mo.

ILR tiers

Validated May 2026

Special Pay

SDAP

Special Duty Assignment Pay for demanding duty positions. Six levels based on difficulty.

Levels 1–6

Validated May 2026

Special Pay

HFP / IDP

Hostile Fire and Imminent Danger Pay. Flat $225/mo while assigned to a designated threat area.

Designated areas

Validated May 2026

Special Pay

Family Separation Allowance

Additional $300/mo when involuntarily separated from dependents due to orders. Three qualifying conditions: PCS, ship deployment, or TDY over 30 days.

$300/month

Validated May 2026

Healthcare Corps

Healthcare Corps

Medical Corps

Incentive Pay, Retention Bonus, Board Certification Pay, and Wartime Accession Bonus for Medical Officers. IP up to $75K/yr; CSWAB up to $800K.

IP · RB · BCP · CSWAB

Validated May 2026

Healthcare Corps

Dental Corps

Incentive Pay, Retention Bonus, Board Certification Pay, and Wartime Accession Bonus for Dental Officers. IP up to $66K/yr; CSWAB up to $700K.

IP · RB · BCP · CSWAB

Validated May 2026

Healthcare Corps

Nurse Corps

Incentive Pay, Retention Bonus, Board Certification Pay, and Wartime Accession Bonus for Nurse Corps Officers. CRNA CSWAB up to $250K.

IP · RB · BCP · CSWAB

Validated May 2026

VA Loan Tools

VA loan planning tools.

VA Loan Hub

Get a VA loan

Start here — a step-by-step guide through every stage of getting a VA home loan.

Sourced from VA Lender's Handbook M26-7

Validated May 2026

VA Loan Tool

Eligibility Checker

Find out if you likely qualify for a VA home loan based on your service history.

VA Lender's Handbook M26-7 Ch. 2

Validated May 2026

VA Loan Tool

PCS Entitlement Calculator

Find your remaining VA entitlement for a PCS purchase and see exactly how the math works.

VA Lender's Handbook M26-7 Ch. 3

Validated May 2026

VA Loan Tool

Funding Fee Calculator

Calculate the exact VA funding fee for your loan type, down payment, and usage.

VA Circular 26-23-10

Validated May 2026

VA Loan Tool

BAH vs. Mortgage Affordability

See if your BAH covers this mortgage and how much you'd pay out of pocket — including the PCS cliff.

VA Lender's Handbook M26-7 Ch. 4

Validated May 2026

VA Loan Tool

Mortgage Cost Calculator

Model full PITI for VA or conventional — and see the complete month-by-month amortization.

VA Lender's Handbook M26-7 Ch. 4

Validated May 2026

VA Loan Tool

VA vs. Conventional Comparison

See the 5-year total cost of a VA loan vs. conventional — and the exact break-even month.

VA Purchase Loan overview

Validated May 2026

MilCheck

Independent military pay tooling. Not affiliated with DoD or any branch of service.

Legal

ContactTerms of ServicePrivacy Policy

© 2026 MilCheck · All figures illustrative · Sources: DFAS, DTMO, IRS Pub 15-T