I make 90K as a MSgt in DC but almost 33K is BAH. Thanks Uncle Sam! There are so many hidden costs in the civilian world (health insurance, higher taxes, not shopping at the px/commissary) that military pay is actually better in net terms for a lot of cases. The Air Force's primary responsibility is developing and maintaining air, space, and overall technological superiority for our military. Sweet! And no matter what on the 1st and 15th you get paid the same amount, so there's no need to worry about making up hours or whatever. If you get a good job after you get out and use the VA for Healthcare, and don't spend your money on stupid shit you can live comfortably. Go take my pay there’s a compensation worksheet on there, I don’t remember any PowerPoint on that. a lot of younger airman don't realize that if your TAKE HOME pay considering most of your salary is benefit based and not taxed. Military income: If your total income is less than $30,000 you can deduct up to $15,000 of military pay if stationed OCONUS. My leadership tried telling me I need to make 160k + to be able to make it and I laughed at them. That's odd. Further, understand certain benefits your position may give you once you transition into the civilian world (such as more hands on experience--like actual trial work and snagging a security clearance in the above example). The other pays, often referred to as special and incentive pays, are for specific qualifications or events. Part 5-- Military Pay. I have a wife and two kids and I've been in for 6 years. Holy shit, CA's is 2300 a month. I’ve been told I’d have to make 65k all the way up to 100k to live a similar life style. Does everyone have leadership like that? obviously this changes in places like say New York but then your BAH compensates for that change. (sorry, no DC to suck the political dick for when your contract is up) Your BAH is $2841.00/month or $34,092/year! MC's kids ride free on that sweet Tricare train. Between Tricare, BAH, BAS, tax reductions, retirement stuff and so on. You're assuming best case scenarios, which almost never happen. MC has to deal with some military bullshit, but he's also in a MOS that's a little bit safer from it. Press J to jump to the feed. So if your take home pay is 47k than as a civilian you'd be making high 50's in the state of Ohio which is where i'm basing my information from. Over the course of the 2000s, military pay increased “substantially” when compared with civilian pay, researchers found. Plus having a STEM job means you can jump to other companies for better pay. For a more detailed military pay estimate, use our Army pay calculator. You'll now return to school and do normal student things for 2 more years. E-4 with over 4 years is around $2400, plus BAH (assuming you get married) for Pendleton is around another $2400, which works out to be in the ballpark of $57,000. Nope. The amount paid is $225 per month for all ranks. That's why, as an E-3 in the barracks my PSMC was $50k. But the amortization period on that is going to be FOREVER with such small payments. Only benefit I use is TA and the gym. I made this excel document to show Lieutenants how these small contributions add up. Press question mark to learn the rest of the keyboard shortcuts. And that still leaves a $4000 deductible, co pays, and having a very limited area/people that can provide medical care. MC makes less, so that's bad - right? The Navy's primary responsibility is to perform both "blue water" (sea-based) and "green water" (littoral or shallow-water-based) military operations. Beer money! But DAMNIT! Military pay isn't designed to be competitive it's just designed to pay you enough to feel like a normal person. For a more detailed military pay estimate, use our Air Force pay calculator. And medical (pretty much socialized medicine), life insurance, pension contributions, education benefits, commissary, tax free exchange, moving costs, etc. An entry level position for a STEM job is probably around $60,000 and you'll be around 22-24 years old with $10,000-$20,000 in student loans. Rank >2 Years 4 Years 6 Years; Private (E1) $3,639.51** $3,639.51: $3,639.51: Private (E2) $4,079.25: As far as 10k-20k in student debt....that amount is nothing. Tried doing math and googling the value of our benefits and can’t come up with a solid number. I don't regret my military service, it helped to pay for college (won't cover all of it), and I do enjoy a lot of veteran discounts and benefits from the service. Being in the military does not exempt you from income tax, but some of your pay and benefits can’t be considered “income.” Your basic pay, active duty pay, bonus pay and incentive pay are all taxable income. I plan on getting out and have a job lined up making 100k plus and I am a E6. Only a fraction of a percent of Americans can pay off only their phone bill every month and fuck off with the other $1500. It would be hard for a high school recruit with no work experience to find a better starting wage. TSP Spillover Contributions. Medical Corps Incentive Pay (IP) and Retention Bonus (RB) - FY2021. All branches of the United States armed forces (Army, Navy, Air Force, Marine Corps, and Coast Guard) are paid a base salary determined by the 2020 Military Basic Pay Chart, with additional allowances for things such as housing and meals.Servicemembers are also compensated for hazardous duties and drilling.. FederalPay maintains updated pay charts for most types of military compensation. No one is that competitive to 18 year olds with no college or real work experience. Your pay is based on your rank, time in service, and family size. Source. I've watched 3 coworkers get out and are making 80-120k and all are living better than when they were an Airman. End Result It comes out about even, really. In June I converted from the Coast Guard Reserve to the Navy AD (Enlisted E-7 to Officer O-3E) From the moment I switched branches my pay has been ridiculously messed up. I'll give you a limited example from the area I know (law), and you can extrapolate out using similar methods to what you're considering (which I assume is STEM-related): According to the latest mandated ABA reports, my school's median starting salary is $110,000. CC can divert his leftover funds into paying this down asap, but it's still going to take considerable effort. That's like a used car loan. Maybe someone on here can chime in. If you are an E4 who doesn't ever get sick, only do your annual dental, and never go anywhere and family doesn't ever get sick then you only need to make about 50-60k a year to live the same lifestyle. Many military members qualify for special pays and incentives that are part of the service’s recruitment and retention efforts. If you are an E4 and always going to the clinic and have multiple medical issues, use dental all the time, fully max out your TA every year, going TDY or deploying all the time, and go to the gym every day, and also have a family who uses the free medical alot then yea you are going to probably need to make 90 to 100k a year to have a comparative pay. It’s a huge opportunity to take advantage of. If I count all the ammo I've shot then I made six figures as a grunt. That's 15k up front and then 208 dollars for 72 months after that. We had a TSgt the same way. I believe there is something on MyPay and/or Portal that will tell you how much all of your pay and benefits are worth. The average of recent medians is slightly higher, but that also includes pre-recession numbers. Run a search first, and then post your question. An entry level position for a STEM job is probably around $60,000 and you'll be around 22-24 years old with $10,000-$20,000 in student loans. However, I would give the military a minor nod in this situation with regards to pay, and likely regarding work-life balance (at least in my opinion)--which many find to be an "invaluable" part of their employment. Sweet! How does your average motivator discover, verify, and set his (or her) state of legal residence such that he (or she) is able to make the most of said tax advantages? Fucking double taxed! E-4 with over 4 years is around $2400, plus BAH (assuming you get married) for Pendleton is around another $2400, which works out to be in the ballpark of $57,000. The basic pay rate of an E-1 is $1,733.10* There is no basic pay applicable to E-1 after two years of experience. TYFYS!! That fuckboi who got a B- in Torts is still making more than you, though.... CC OOhh, ouch, he took a job in the state you went to school that has state income tax! It helps, yeah, but it's not absolutely necessary. Plus, his work week is going to be geared towards the 40-50hr range (mostly). TL;DR: Do the research on the position you want and the pay it will have at different steps compared to your own Civilian Comparison. This person will be call Military Comparison (MC). Advance Pay is one of the awesome things about moving every 2-4 years in the military. Military pay is not all that bad—but it isn't all that great, either. Fuck! You don't need a degree to do what I do. Outside of a technical jobs (aviation guys, computers, etc) most contractors make the same or less than you do. Will the military pay off student loans? Honestly, with the research I’ve done, it looks like tricare is the military’s single biggest benefit. FUCK! Military Pay Calculator After Taxes? Didn’t put the full effort in, but my napkin math as a E-5 with 9 years in looks like this for yearly compensation: Base pay (net): $36k BAH: $22,800 BAS: $ 3,876. Think about that and the repercussions it has. I’ve never even heard of that! CC - has just landed a gig promising the promised median pay of $110,000! At least he won't have time to spend his paycheck, right? Pay in the military is what you make of it. MC has just finished Naval Justice School and pinned on Captain (O-3). for a kid fresh out of highschool with no "hookup" into a good job, its pretty decent pay, if you live out in town you obviously dont have to use ur full BAH either, New comments cannot be posted and votes cannot be cast. Pay groups and factors that determine pay for the Canadian Armed Forces. ... help Reddit App Reddit coins Reddit premium Reddit gifts. As of 2016, there are roughly 300,000 Active Duty, 100,000 Air National Guard, and 70,000 Reservist Airmen. A Re-enlistment bonus isn't paid straight cash money. Fuck the government, Imma make my money! Please forget everything you just said. For a more detailed military pay estimate, use our Navy pay calculator. I can make 70k on the outside doing what I do now with no degree. civilians have little disposable income. TSP for Military. As a civilian contractor, I just cannot agree with that last statement. I mean, I make ~70K now, yet with the increased cost of living I'm actually worse off than when I was in the military. Fuck! However, for an enlisted member with years of experience, trained in a critical technical specialty, it's not all that great when compared to wages for a similar civilian job. When they go to a new company they'll enjoy another 5k-10k raise which is something you'll never get in the military. Base pay is the same across all service branches and is based on rank and time in service, with pay raises according to years of creditable service. That's another $3,043.56/year. That’s way easier. Even though I technically meet the qualifications (gay + military), my perspective is probably too limited to be useful. Military members who are assigned or deployed to a designated combat zone are paid a monthly special pay, known as combat pay (or Imminent Danger Pay). I think its a easy way to save up for buying a house or maybe a small business when you leave the military. The army will pay back your student loans (if you get it in your contract) and will pay for further education. Stateside? In this post, we will talk about what to use Advance Pay for, how to optimize it for… BOOOO!! However, pay for accrued leave, student loan repayments, reenlistment bonuses and combat pay do not count as income. It should be in your mypay directly under your LES. MC can show a lower basic income and qualify for income-based repayment that will have a lower monthly minimum payments. First time in 10 years." Thanks, Uncle Sam. Military service is not that bad if you are okay with following directions and sometimes being uprooted without your consent. Good on him, now he's only paying his federal rate. In general you won't get paid a lot. In my opinion military pay compared to civilian is tricky and also based on how many military benefits you actually use. PSMC: personal statement of military compensation. In May 2018, for example, he declared to graduates of the United States Naval Academy: "We just got you a big pay raise. http://militarypay.defense.gov/Calculators/RMC-Calculator/. I also have placed all my flight pay into an simple, low expense ratio, S&P 500 Index Fund. During times of budget deficiencies and a down-turned economy, the military retirement system is evaluated in order to cut federal spending. This is my opinion. I think, it might be higher. Military Pay Calculator; Basic Pay Charts – See link for pay charts Regular Military Compensation (RMC) is defined as the sum of basic pay, average basic allowance for housing, basic allowance for subsistence, and the federal income tax advantage that accrues because the allowances are not subject to federal income tax. You get 50% of your bonus up front and the rest is paid over your entire enlistment. It only seems that way because the minimum wage for contractors is about $20.40/hr. Press J to jump to the feed. A place for potential Marines to get their questions answered. The high-36 method is the average of the highest 36 months of basic pay divided by 36. Your intelligence and being slightly tougher than the other law contracts at TBS means you got your 2nd choice duty station of Hawaii! I make 2,400 a month. Now that’s great but I’m only taxed on my base pay. MC Wasn't a mongoloid and has a state that doesn't tax military income as his state of residence. Yay! 2021 Pay Charts. 2020 military allowances, incentives, bonuses and special pay. From free health insurance to half your income being tax-exempt (if receiving BAS/BAH) the benefits are immediately obvious - all of your pay is essentially disposable income. Personal Statement of Military Compensation, or something along those lines. I have a wife and some little monsters running around, so I haven’t even done the math on medical and dental. As of 2016, there are roughly 330,000 Sailors on Active Duty, and 100,000 in the Navy Reserve. I'm not doing these guys' income taxes, but let's just assume that the lack of state tax made them even. Military Employment Verification. I mean im just a kid but to me military pay looks really solid especially considering how hard it is for college grads to get jobs right now in certain fields. Chart reflects Drill Pay only and does not include bonuses, allowances and other benefits. Some compensate members for assignment to hazardous or difficult duty conditions. Note: We are going to not compare a 4402 position to the rest of the public sector, because that's too easy of a win for the military. Lets say you sign up for six years and get 30k. The Air Force failed me. MC is riding that sweet Tricare train. Its all about perspective. TSP Options for Active Duty Army, Navy & Air Force. Theoretically, the most average kid in the class will have a position paying $110,000 within 9 months of graduation if they enter the private sector (public median is about 1/2 of that), so that will be our "Civilian Comparison" (CC). The only difference is when overseas, civilian pay will be considerably higher. Retired pay: The first $5,000 is tax-free. You only make 3800 in BAH a year? The mid-month pay deposit has just shown up as pending in our Navy Federal account, and it is approximately 1/3 of what my husband’s pay should be. CC has to pay $170 a month for health coverage at his firm. For example, there are special pays for aviators and parachutists; special pays are also paid for dangerous or hardship duties. Use the Military Pay Calculator to see your current, past and proposed future military pay by rank, location and branch of service. Further, since you posted on a Marine sub-reddit, we'll use their typical career path: Contract during your first year of law school, commission that summer after OCS. Pay in the civilian sector is highly dependent on career field, while military pay charts standardize pay for service members of all occupational specialties, said … Everyone gets base pay, and it's the same regardless of what military service you are in. Am I missing something here or does the military pay extraordinarily well and even better than the civilian world? Cuts For Military Retirement Benefits? Yup, not a … Is military pay actually very competetive? Source. That leaves plenty of time to shove his disposable income into strippers' G-strings. The pay rates are all listed online. Yes, but not for spouses.Unfortunately, there is no military student loan forgiveness for the spouses of service members. Tried scaring people getting out saying they need to make 100k to live like they do now as E4s and E5s. Both of these guys came out with $90k in debt. Where was the power point on this? Officer Submarine Duty Incentive Pay; Pay Grade Less Than 2 Years Service Over 2 Over 3 Over 4 Over 6 Over 8 Over 10 Over 12 Over 14 Over 16 Over 18; O-10: $355 With a family to provide for that pay evaporates rather quickly. The really bad part of our pay is how it translates to civilian life. I guess I should just say I’m single. Remember, clear post titles get clear answers. The government will give you an interest-free advance on your pay with 12 months to pay it back! Some regional differences are there, but usually contractors are not raking in that much over you when you consider all the expenses they have to pay out of pocket (as stated, healthcare, disability insurance, taxes, etc). This starts your TIS for pay purposes (important). School is expensive, man. Military pay can seem complicated until you understand that military pay comes from two basic sources: base pay and special pays. The method used depends upon when the member first entered military service. Don't start spending money on things you don't really need to spend money on and you can do just fine. Not to mention you can’t really put a dollar value on all the free Blue Kool Aide you could ever want. I got an enlistment bonus when I joined and got it all up frunt when I graduated my skool house. Let's factor in pay beyond your basic pay: CONGRATS! Even the civilian contractors that perform the same job alongside military people will usually be paid 2x or 3x as much as the military counterpart. Military.com's Military pay charts give you all the information you need. It looks pretty appealing. Pay rates for officers Pay rates for general service officiers, pilots, medical, dental and legal officers. This sucks. Aware that there are great calculators out there, but have been trying to find one that will give me a rough estimate of my annual income post taxes so I can better budget. As a civilian you are taxed on that full 90K and that’s a whole other tax bracket too. If you are making 50k-60k you can pay that amount off in one year (or less) easily with only minor changes to your lifestyle. Plus you get 30 days of vacation every year and a shit ton of holidays. CC is a 1st year associate, so he'll be working 70+ hours per week for at least the next 4 years. E-1 is the 1st enlisted paygrade in the United States military, with monthly basic pay ranging from $1,733.10 for an entry-level E-1 to $1,733.10 per month for E-1 personnel with over 40 years of experience. The Army is the largest branch of the Armed Forces, whose primary responsibility is to fight land-based wars. The Air Force isn't really known for the machismo that some of the other branches are, and on top of that I work in communications (aka nerd stuff, which weeds out most of the meatheads).. Edit: In other words, military pay is not competitive. Ive got a sticky question for those well versed in the military pay system. If you want to join, fine, but lower your expectations for pay by a few magnitudes so you won't be disappointed. Yeah everyone in this thread seems to just be forgetting how little you make after you pay off all your expenses. Community for current, future, and past members of the US Air Force. If it was such a good optio... don't you think more people would do it? I figure 60k a year as an E6 I need 90k plus a year as a civilian. Yes, after taxes, rent, utilities, gas money, work clothes, food, health insurance, dental, vision, etc. Appreciate it! On paper you won't get paid much, but for some reason nobody takes into account that you give no bills. Just because he is terrible at his job and couldn't make more than 40k doesn't mean others are going to have the same problem. I’m not seeing a box to tick for married to another military person. Nope. It's based on an individual's rank and the number of years you've been in the service. The final pay method, as the name implies, establishes the retired pay base equal to final basic pay. Source, Because you live off base as a cool single officer, you also make $253.63 in BAS! If you really want to make money in the service then go the officer route or sign up for a special program that pays if you pass the course. 2011 is an example of a time of fiscal re-evaluation and possible reduction in veterans' retirement benefits. Whoo! This is generally the last 3 years of service and is sometimes called high-3. Basic pay is received by all and is the main component of an individual's salary. Press question mark to learn the rest of the keyboard shortcuts. To get equivalent coverage, in Idaho at least, it’s well over $2000 (I think it’s more, this is lowballing) a month with a family of 4. The Final Pay plan uses a multiplier % that is 2.5% times the years of creditable service. I live on base, so I don't pay rent or any utilities. However you don't pay rent or bills or anything like that. Your housing, electricity, water, and food are all free. Well, except MC qualifies for Public Service Loan Forgiveness after 10 years of minimum payments, and part of his re-contracting incentive involves money for repayment of outstanding loans. According to the proposed 2017 pay charts, with over 2 years TIS you will make $4,564.92/month--aka $54,779.04/year. Either way, military pay is outstanding. TSP Option for Army, Navy & Air Force Reserve, National Guard. Basic Military Pay Chart For Army Reserve Soldiers* Pay is based on two weeks of training each year and one weekend each month. How much does an E4 make really? Sweet! You're now a CAPT with nothing but a marksmanship and National Defense medal! You have to be married to get that much. It's a tool used to determine how much you need to make as a civilian to maintain the same standard of living, New comments cannot be posted and votes cannot be cast. That's damn good considering the GI bill is still available, along special pay like combat pay, tax exemptions like sea service and reenlistment bonuses that come every four years. The calculator includes all Regular Military Compensation (RMC) including Base Pay, BAH, BAS and which portions that are taxable and tax-free. CC has to pay $390/month for the family plan so his kids can see a doctor. So in a broader scope its on par with some civilian jobs after the people working those jobs pay their rent and utilities. In my opinion military pay compared to civilian is tricky and also based on how many military benefits you actually use. You're making less than half of what some slapdick who couldn't even crack the top 25% makes! Back your student loans ( if you want to join, fine, but for some reason nobody takes account. The course of the keyboard shortcuts is TA and the gym government will give you an interest-free on! 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