Military Medical Corps Pay Calculator

The purpose of this calculator is to
  • estimate active duty pay until retirement eligibility based on specialty, rank, and other factors
  • estimate the value of a military retirement, not counting health or other benefits
  • compare lifetime earnings of a milmed career vs departure immediately after ADSO fulfillment
  • attempt to determine a rough "break even" point, after which it makes financial sense to stay in until retirement

    Why? Because the official calculators the Army, Navy, and Air Force provide are line-oriented, milmed-ignorant (or at least -agnostic), focused on fuzzy fringe benefits, and full of assumptions that simply don't apply to physicians who have a rather good gig waiting on the outside.

    In other words, they suck.

    Caveat emptor: This really ought to go without saying, but this is not an official US military web site. No military service or other government entity was involved in its creation. The projections and calculations carry no warranty or guarantee of accuracy. Confirm these numbers yourself before making any decisions. I've made every effort to make this an accurate calculator, but military medical pay is complicated and so are the rules concerning service obligations.

    References:
  • 2013 Military Pay Tables (pdf) from DFAS web site
  • FY14 MC-DC Special Pay Implementation Guidance (docx) from Navy Special Pay Web Site
  • Asst SecDef Memorandum (pdf) concerning retirement credit for USUHS graduates

    Notes:
  • No information is collected or retained by the server.
  • All figures are in 2013 dollars. No attempt is made to adjust for inflation.
  • Figures for past years are also based on the 2013 pay tables. They are presented as a curiosity and for completeness.
  • For the "lifer" calculations, the script will include MSP contracts to maximize active duty pay.


    • Enter your own data and hit submit. Or make up data and see what the calculator spits out.

    Please help me improve this by suggesting features or reporting bugs, errors, or problems: milmed.pay.calculator@gmail.com


    How old are you? At what age will you retire from your post-military job?
    My current age:
    Age at retirement:

    If you remained in the military until retirement, how many years would you stay?
    Retire from military at:

    When did you graduate from medical school?
    Date:

    Did you attend USUHS for medical school or another advanced degree?

    I did HPSP or something else
    I was at USUHS for
    years and months

    Did you have military service prior to medical school?

    I have no prior service
    I was an officer for
    I was enlisted for
    years and months

    Enter the date you started your intern (PGY-1) year:
    Start:

    Enter the dates you started and completed residency training (PGY-2+):
    Start:
    End:

    If you have (or will) complete a fellowship, enter the start and end dates:
    Start:
    End:

    If you have (or will) complete a fellowship, was it an inservice or outservice?

    MTF inservice (FTIS) program
    civilian sponsored (FTOS) program

    Enter the date you are (or expect to be) board certified in your specialty:
    Certified:
    If you have already signed a MSP contract, enter its duration and start date:
    Effective date:
    2 years     3 years     4 years

    When is your active duty service obligation up?
    ADSO end:

    Enter the dates you were (or expect to be, if you stay in long enough) promoted to each rank.

    O3 promotion date is assumed to be the date of graduation from medical school.
    O4:

    O5:

    O6:

    Use the BAH calculator to estimate your monthly housing allowance based on where you might be stationed, and whether or not you have dependents.

    This is of course speculative and imprecise.
    O3 or O3E BAH:

    O4 BAH:

    O5 BAH:

    O6 BAH:

    Check all that apply to you:

    (The $30K REDUX payment is the elective Career Status Bonus that may be taken at the 15 year mark. Accepting this bonus alters the retirement multiplier.)

    I have dependents
    I have used my Post-9/11 GI Bill
    I took the $30K REDUX payment

    What do you estimate your civilian salary will be, when you leave the military?

    Enter whole dollar amounts, no commas or decimals.
    Year 1:
    Year 2:
    Year 3:
    Year 4:
    Year 5+: