Strategic Financial Planning for Transitioning Military & Retirees
Integrate your military pension, VA disability, and TSP balances into a cohesive wealth strategy designed for your post-service life.
Start here. Which one is you?
For military retired pay, not the needs-based VA Veterans Pension.
This calculator is for military retired pay, the pension you earn through years of service. It is not the VA Veterans Pension, which is a separate needs-based benefit for wartime veterans with limited income and net worth.
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Still in uniform with a separation date? See your dated decisions →
How Much Does It Pay
How much does a veteran actually get in retirement?
On a $3,000/month military retired pay, a $300,000 TSP drawn at 4%, $2,200/month Social Security and $1,500/month tax-free VA disability: about $7,359/month net, combining all four sources after a rough tax estimate. That is the whole-picture number, not a single benefit. For a federal civilian pension specifically — that is FERS, the federal government's own plan for civilian employees, which many veterans join when they take a federal job after service — on a $90,000 top-three-year average salary and 22 years, the pension alone runs about $1,815/month gross at age 62 or later, or about $1,650/month before 62, with nothing counted for unused sick leave. These are worked examples on these figures, not your number — enter your own pay, balances and years in the calculators below to see yours. This is general educational information, not personalized advice.
Quick Answer
Should I roll my TSP into an IRA when I leave military service?
Not automatically. The TSP offers the G-Fund, a government-backed bond fund that earns more than most money-market accounts and exists nowhere else, plus some of the lowest expense ratios in the investment industry. An IRA gives you more investment choices but often higher fees. The right answer depends on your specific funds, your income needs in transition, and your long-term goals. We compare both options side-by-side before making any rollover recommendation. This is general educational information, not personalized advice.
Free Tools
Answer one question about yourself and we will show you the tools that fit. Most people get a number in under a minute.
What your monthly retirement paycheck actually looks like once retired pay, the TSP, Social Security and VA compensation stack together. What a VA rating is worth once you count that it is tax-free. What a rollover would have to earn before it beats leaving the money in the TSP. How much you could move to Roth in your low-income years. What your yearly raise is really worth if you retired partway through the year. And, if you took a federal civilian job after service, what your federal pension is worth once unused sick leave is counted — and what separating first would forfeit.
Hypothetical illustrations for education only. Not a prediction, recommendation, or guarantee. Your actual result will differ.
One tap, and we'll show you the tools that fit. Nothing is locked.
Not sure, or you'd rather just look around?
These are sample numbers. Change your salary, years, and age below to see your own figures. Takes about 30 seconds.
These are sample numbers. Change your income and retired pay below to see your own conversion room.
These are sample numbers. Change your rating and household below to see your own figure.
Education only. This tool does not determine VA eligibility or predict a rating. Only the VA assigns ratings. It illustrates the dollar value of a rating you already have or are exploring. Not tax, legal, or investment advice.
These are sample numbers. Change the figures below — your retired pay, your TSP, your VA — to see your own.
These are sample numbers. Change your balance and the fees below to see your own break-even.
These are sample numbers. Change your figures below to see your own adjustment.
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The next COLA changes every number on this page
VA compensation rates move with the Social Security cost-of-living adjustment, and military retired pay moves with it. The figures in this calculator are the ones effective December 1, 2025. Leave your email and we will send you the new rates when they are announced. Your own official figure comes from the VA and DFAS.
One email when the new rates publish. After that we only write when a VA or TSP rule changes. Unsubscribe anytime. When you send your email, the figures you typed are saved with it, so we can prepare for a call.
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The next COLA changes every number on this page
VA compensation rates move with the Social Security cost-of-living adjustment, and military retired pay moves with it. The figures in this calculator are the ones effective December 1, 2025. Leave your email and we will send you the new rates when they are announced. Your own official figure comes from the VA and DFAS.
One email when the new rates publish. After that we only write when a VA or TSP rule changes. Unsubscribe anytime. When you send your email, the figures you typed are saved with it, so we can prepare for a call.
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The next COLA changes every number on this page
VA compensation rates move with the Social Security cost-of-living adjustment, and military retired pay moves with it. The figures in this calculator are the ones effective December 1, 2025. Leave your email and we will send you the new rates when they are announced. Your own official figure comes from the VA and DFAS.
One email when the new rates publish. After that we only write when a VA or TSP rule changes. Unsubscribe anytime. When you send your email, the figures you typed are saved with it, so we can prepare for a call.
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The next COLA changes every number on this page
VA compensation rates move with the Social Security cost-of-living adjustment, and military retired pay moves with it. The figures in this calculator are the ones effective December 1, 2025. Leave your email and we will send you the new rates when they are announced. Your own official figure comes from the VA and DFAS.
One email when the new rates publish. After that we only write when a VA or TSP rule changes. Unsubscribe anytime. When you send your email, the figures you typed are saved with it, so we can prepare for a call.
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The rate this compares against resets every month
The G Fund rate is reset monthly, so the hurdle above moves with it. Leave your email and we will send you the new figure when it changes. Your own official rate comes from the TSP.
One email when the rate resets. After that we only write when a VA or TSP rule changes. Unsubscribe anytime. When you send your email, the figures you typed are saved with it, so we can prepare for a call.
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The next COLA changes every number on this page
VA compensation rates move with the Social Security cost-of-living adjustment, and military retired pay moves with it. The figures in this calculator are the ones effective December 1, 2025. Leave your email and we will send you the new rates when they are announced. Your own official figure comes from the VA and DFAS.
One email when the new rates publish. After that we only write when a VA or TSP rule changes. Unsubscribe anytime. When you send your email, the figures you typed are saved with it, so we can prepare for a call.
You just ran the math yourself. If it would help to talk it through, our team will look at your situation with you. Free, 15 minutes, no pressure.
Book a free 15-min callNot ready to talk? Leave your email and we’ll send you a recap of these numbers, plus the new VA and retired-pay rates when they are announced.
Built on the real rules: OPM's FERS formula and 2,087-hour sick-leave conversion, 2026 VA disability rates, the Connecticut pension/military exemptions, and 2026 IRS and Medicare figures.
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Sirmium Capital LLC is a registered investment adviser. Educational purposes only. Not personalized financial advice. This tool does not create an advisory relationship. Registration does not imply a certain level of skill or training.
The inputs that move it most, in plain English.
The calculator gives you a number. This section is about the decisions inside it: what builds it, which inputs move it most, and how to keep it. It updates live as you change the FERS inputs above, and it is a hypothetical illustration built only on the figures you entered, not a projection and not advice.
Your full Retirement Plan — the ten-section plan document around this number. It starts empty; three answers is enough for a first figure.
These sentences describe the sample inputs above. Change the inputs in the calculator and they describe you.
Each line changes one input and holds the rest, before taxes. Real decisions move several at once, which is what a planning conversation is for.
The link keeps your numbers in your browser's address bar only. We do not receive or store them, and nothing is emailed. Anyone you send the link to will see the numbers you entered.
Fee-only · Fiduciary · Veteran-focused · Free, no obligation
These sentences and figures are hypothetical illustrations based only on the numbers entered above. They are one of several possible outcomes, not a prediction. You can change the inputs at any time to see how the picture shifts.
This is educational information, not investment, tax, or legal advice, not a recommendation to retire, keep working, or pick a path, and not a guarantee. Sirmium Capital LLC is a registered investment adviser. Using this tool does not create an advisory relationship. Confirm your figures with OPM and, for tax questions, a qualified tax professional.
Copies a link that reopens these calculators with your numbers already in them. The numbers travel inside the link itself and are never sent to us.
Want it written down? your full Retirement Plan is the plan document around these numbers. It starts empty; three answers is enough for a first figure.
Important: These calculators are hypothetical illustrations for education only. They are not investment, tax, or legal advice, not a recommendation, and not a guarantee. Your actual result will differ. FERS and military retired-pay figures are estimates, not certified benefit calculations. Your official figures come from OPM and DFAS/DoD. The VA alone determines disability ratings and eligibility; this tool never makes that determination. Figures use general 2026 federal, state, and benefit data, current as of June 2026 (OPM FERS rules and the 2,087-hour sick-leave chart; IRS Rev. Proc. 2025-32; CMS 2026 IRMAA; VA 2026 compensation rates effective Dec. 1, 2025, and the current funding-fee schedule; Connecticut DRS/OLR), and do not reflect every credit, other income, NIIT, AMT, your full state return, market changes, survivor or age reductions, the FERS Special Retirement Supplement, or CRDP/CRSC concurrent-receipt offsets. Tax rules and thresholds can change. If you later become a client and roll over assets, Sirmium may earn advisory fees on those assets. Registration does not imply a certain level of skill or training. Confirm specifics with OPM, DFAS, the VA, and a qualified tax professional before acting. Questions about your plan? Talk to our team.
The Challenge
Moving from active duty to the civilian sector fundamentally alters your tax situation, income streams, and investment strategy.
Whether you're deciding on the Survivor Benefit Plan (SBP), trying to figure out if you should roll over your Thrift Savings Plan (TSP), or needing to coordinate your military pension with a new civilian 401(k), the complexity increases exponentially upon retirement or separation.
Sirmium Capital provides clear, objective, fee-only advice. We don’t earn commissions off expensive mutual funds or insurance products. We simply help you align the benefits you earned in uniform with your goals in the civilian world.
Free Resource
Three things happen to a Thrift Savings Plan account at separation without anyone asking you, and none of them are on the checklist you are handed on the way out.
A small balance is closed for you. If your vested balance is under $200 when your service reports the separation, TSP pays the whole thing directly to you in a single payment and closes the account. It happens 60 days after TSP is notified or 60 days after your separation date, whichever comes first, and 20 percent is withheld for federal tax. You are not given the option to stay. A balance under $5 is forfeited outright and shown as forfeited on the next statement.
Combat-zone money cannot follow you into a civilian TSP. A uniformed-services account can be moved into a civilian TSP account if the vested balance is $200 or more, and only up to the end of the calendar year before the year you turn 72. But a tax-exempt balance built from contributions made in a combat zone cannot make that move. To keep it growing tax-deferred you have to leave the uniformed-services account open and hold it there until you withdraw.
Doing nothing is a decision. Every one of those runs on its own timetable, measured from a separation date you already know.
Source: TSP booklet Distributions (tspbk25), retrieved 28 August 2026. Confirm your own balance and dates with TSP; for the tax treatment of any payment, speak with your tax professional.
The five decisions that move the most money at retirement: the FERS sick-leave trap, the TSP Roth conversion window, your VA disability value, your real four-part paycheck, and the SBP election. Built for military and federal retirees, and made to read alongside the calculator above.
Sirmium Capital LLC is a registered investment adviser. Educational purposes only. Not personalized financial advice.
FAQs
Go Deeper
The Five Decisions of a Veteran Retirement
A short, plain-English walk through the five choices that set your retirement income for life: the FERS annuity and the sick-leave trap, your TSP in the quiet years, the tax-free value of a VA rating, the stacked paycheck with CRDP versus CRSC, and the Survivor Benefit Plan. Education only, no obligation.
Calm, sourced letters from our CIO
Short, plain-English research you can read and forward to anyone you served with. Educational information only, not legal or tax advice.
CRDP vs CRSC, and the Soto Ruling That Uncapped CRSC Back Pay
ArticleTSP Changes in 2026: What Veterans Need to Know
ArticleVA Disability and TSP: Tax-Free Strategies
GuideVeteran Wealth Defense Blueprint
ArticleThe OPM Gap: Interim Pay and Your First Full Annuity Check
ArticleTSP Rollover vs. Hold: What Veterans Get Wrong
ArticleSECURE 2.0 for First Responders: 5 Rules to Know
AudioThe Veterans Retirement Blueprint
ArticleWhere You Retire Changes Your Pension’s Tax Bill: NY, CT and FL
ArticleThe Tax Map of Your Military Retirement Paycheck
ArticleDoes Hitting 20 Years Unlock Penalty-Free TSP Access?
ArticleThe Penalty-Free Bridge Before 59.5
ArticleThe FERS Deferred-Retirement Health-Insurance Trap
ArticleTSP Rollover vs Transfer: What You Give Up Moving to an IRA
ArticleSBP vs Term Life: The Real Tradeoff
ArticleThe Survivor’s Penalty: Why a Widowed Retiree Often Owes More Tax
Start the Process
Book a free discovery call. No obligations. Just straightforward fiduciary advice on your TSP, your pension, and your next chapter.
Book a Free 15-Min CallReviewed as of July 2026. Verified against VA.gov’s 2026 disability compensation rates, OPM’s FERS rules and 2,087-hour sick-leave chart, current TSP and DFAS publications, 2026 IRS and CMS figures, and Connecticut and New York state guidance.
Sources: VA.gov 2026 disability compensation rates (eff. Dec 1, 2025) · IRS Pub. 525 (VA disability excluded from income) · VA.gov home-loan funding fee & exemption · OPM FERS computation & unused sick leave · DoD Blended Retirement System (High-3 vs BRS) · DFAS CRDP/CRSC concurrent-receipt FAQs · DFAS Survivor Benefit Plan (SBP) · TSP Bulletin 25-4 (Roth in-plan conversion, live Jan 28, 2026) · TSP G Fund fact sheet · IRS 2026 inflation adjustments (Rev. Proc. 2025-32) · CMS 2026 Medicare premiums & IRMAA · CT OLR 2025-R-0152 (military & pension exemption) · NY Dept. of Taxation & Finance (military pensions). Rules and figures change; confirm your own situation with the VA, OPM, DFAS, and the TSP, and route tax questions to your tax professional.
How we keep this current. Benefit rules and tax figures change every year, and a lot of what is online is out of date. We track the agencies’ own publications, VA, OPM, DFAS, the TSP, the IRS, CMS, and the states, and update these tools when the rules move. When the TSP launched its Roth in-plan conversion feature on January 28, 2026, we updated the conversion tool to match; when the VA’s 2.8% COLA took effect on December 1, 2025, we refreshed every disability rate in the calculator.