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© 2026 Scypion Finance. Founded by Erajah Scypion.Your money, and the forces that move it.
Home›Calculators›Budgeting & Saving›Military Pay & First Budget
◆ CALCULATOR

Military Pay & First Budget

Military pay is base pay plus tax-free allowances, not one salary. This breaks your check into what's taxable, what's tax-free BAH and BAS, and your real take-home, using the 2026 DFAS tables.

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

Military Pay & First Budget

Your pay is a bundle, not one salary. See what's taxed, what's tax-free, and what actually lands in your account.

Try an example
Your pay
Pay grade
Years of service
yrs
BAH (housing allowance)
$
Look up your single or with-dependents BAH rate (opens the DoD calculator) →
Taxes & deductions
Federal tax rate
%
State tax rate
%
TSP contribution
%
SGLI premium
$
Your take-home pay each month
$4,506
Taxable (base pay)
$3,303
Tax-free (BAH + BAS)
$1,977
Deductions
$774
Twice a month
$2,253
Federal tax$330
Social Sec / Medicare$253
State tax$0
TSP$165
SGLI$26
Your gross is $5,280, but only $3,303 of it is taxable. $1,977 is tax-free BAH and BAS, already meant for housing and food. Budget those against real rent and groceries first, then split what's left.

Basic pay and BAS from the 2026 DFAS tables; look up your BAH with the official DoD calculator. Taxes are estimates you set, since they depend on your bracket and state. A 50/30/20 rule on gross pay double-counts your tax-free allowances.

Your first military paycheck looks nothing like a civilian one. Base pay is taxed, but BAH and BAS are tax-free and already meant for housing and food, which is why a 50/30/20 rule on gross pay double-counts. This decodes the check: what's taxable, what's tax-free, what comes out, and what's actually left to budget.

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◆ Sources

  1. DFAS, Military Pay Tables (2026 Basic Pay & BAS)
  2. U.S. DoD, BAH Rate Lookup
  3. IRS, Publication 3 (Armed Forces' Tax Guide)
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