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© 2026 Scypion Finance. Founded by Erajah Scypion.Your money, and the forces that move it.
Home›Calculators›Budgeting & Saving›Deployment Savings Calculator
◆ CALCULATOR

Deployment Savings Calculator

A deployment is a rare savings window: combat-zone pay goes federal-tax-free, extra pays stack on, and the Savings Deposit Program pays a guaranteed 10% on up to $10,000. See what it can add beyond your normal pay.

✓ ReviewedBy the Scypion Finance team · The method, a worked example, and the sources are laid out below.
◆ MILITARY CALCULATOR

Deployment Savings

A deployment is a rare savings window. See what it can add beyond your normal pay, before it arrives.

Try an example
Your deployment
Pay grade
Years of service
yrs
Deployment length
mo
Tax-free pay
Your federal tax rate
%
Savings Deposit Program
Amount in SDP
$
Extra pays
Hardship Duty Pay
Career Sea Pay
$/mo
Per diem
$/day
What this 6-month deployment can add
$6,304
Tax-free savings (CZTE)
$2,378
Extra pays (FSA, HFP/IDP, HDP)
$3,150
SDP interest (10%)
$775
Tax-free pay$2,378
Extra pays$3,150
SDP interest$775
That is on top of your normal pay. The biggest lever is usually the tax-free months; the SDP adds a guaranteed $775 on $10,000.

This shows the deployment-specific extras on top of your normal pay, not your whole check. Your BAH usually continues, including for many single members, and BAS may be adjusted; neither is counted here. CZTE excludes base pay from federal income tax (enlisted fully, officers capped) but it is still subject to Social Security and Medicare. SDP pays 10% on up to $10,000, compounds monthly, and accrues through 90 days after the zone. FSA $300 and HFP/IDP $225 are 2026 DoD rates. Verify your eligibility with finance.

Deployment money is a window, not a windfall you can count on twice. While you're in a combat zone your base pay is excluded from federal income tax, you may draw the Family Separation Allowance and hostile-fire pay, and the Savings Deposit Program pays a guaranteed 10% on up to $10,000 that keeps earning for 90 days after you leave. Decide what it's for before it lands.

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◆ Sources

  1. DFAS, Savings Deposit Program
  2. IRS, Combat Zone Tax Exclusion
  3. U.S. DoD, Family Separation Allowance
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