Military Retirement Blog

NEW February 25, 2026 - 18 min read

Do I Pay Taxes on Military Retirement Pay? 2026 Complete Guide

Complete guide to federal and state taxes on military retirement pay in 2026. Learn which income is taxable, which is tax-free (VA disability, CRSC), how 37+ states exempt military pensions, and strategies to reduce your tax bill. Includes real examples comparing Texas vs California with dollar-for-dollar savings.

Read more → 2026 Tax Rates State Taxes Tax Planning

February 15, 2026 - 22 min read

10 Mistakes Service Members Make When Calculating Post-Military Income (2026 Guide)

Avoid these 10 costly mistakes when calculating your post-military income. Covers base pay vs total compensation, federal/state taxes, TRICARE savings, VA disability planning, BRS vs High-3, COLA growth, and more — with real 2026 dollar figures for every scenario.

Read more → Common Mistakes 2026 Figures Income Planning

February 8, 2026 - 30 min read

Military Divorce & Retirement Pay Division: USFSPA, 10/10 Rule & Frozen Benefit Guide 2026

Complete guide to how military retirement pay is divided in divorce. Understand the USFSPA, the misunderstood 10/10 rule, the frozen benefit rule for post-2016 divorces, the coverture fraction formula, and what's NOT divisible (VA disability, CRSC). Includes 2026 pay examples and our new calculator divorce toggle.

Read more → Divorce & USFSPA Frozen Benefit Rule 2026 Pay Rates

February 2, 2026 - 20 min read

TRICARE After Retirement 2026: Complete Guide to Prime vs Select, Costs & Medicare

Everything you need to know about TRICARE as a military retiree in 2026. Compare Prime vs Select plans, understand Group A vs B costs, learn about TRICARE For Life at 65, and see all enrollment fees, copays, and FEDVIP dental/vision options.

Read more → 2026 Costs Prime vs Select TRICARE For Life

January 30, 2026 - 20 min read

Is the Survivor Benefit Plan (SBP) Worth It in 2026? Complete Cost-Benefit Analysis

Should you elect SBP for your military retirement? Complete 2026 analysis with real cost examples, SBP vs life insurance comparison, DIC offset rules, and a decision framework to help you choose.

Read more → 2026 Costs SBP vs Life Insurance DIC Offset

January 27, 2026 - 10 min read

2026 Military Retirement Pay Chart: Monthly Pay by Rank & Years of Service

Complete 2026 military retirement pay chart with the 3.8% pay raise. See monthly retired pay for every rank (E-5 to O-10) at 20, 24, 26, and 30 years of service. Includes High-3, BRS, and combined VA disability totals.

Read more → 2026 Pay Tables 3.8% Pay Raise Every Rank

January 27, 2026 - 15 min read

The Military COLA Trap 2026: How Your Retirement Date Can Cost You Thousands

Avoid the military COLA trap in 2026. Learn how retiring in the wrong month could cost you $3,000+ per year permanently. Includes optimal retirement dates, real examples, and the 2.8% COLA calculation.

Read more → Critical Planning 2026 COLA: 2.8% Retirement Timing

January 21, 2026 - 25 min read

CRDP vs CRSC: Complete Guide to Choosing the Right Concurrent Receipt Program in 2026

Which concurrent receipt program pays more - CRDP or CRSC? Complete comparison with 2026 rates, eligibility requirements, tax implications, real calculations, and step-by-step application guide for Combat-Related Special Compensation.

Read more → 2026 Rates Tax-Free Benefits Concurrent Receipt

January 20, 2026 - 12 min read

How to Calculate Military Retirement Pay in 2026: Step-by-Step Guide with Examples

Master the High-3 and BRS retirement formulas with our step-by-step guide. Includes 2026 pay tables, visual calculators, and real examples for E-5 through O-6 ranks. See exactly what your military pension will be.

Read more → 2026 Pay Tables Calculator Guide Step-by-Step

January 15, 2026 - 18 min read

10 Best States for Military Retirees in 2026: Tax Benefits, Cost of Living & VA Access

Discover the top 10 states for military retirees ranked by tax benefits, cost of living, and VA healthcare access. Compare Florida, Texas, Tennessee, and more with real dollar savings examples. See which of the 37 tax-free states is right for you.

Read more → 2026 Guide State Taxes Top 10

January 13, 2026 - 15 min read

VA Disability with Dependents 2026: Complete Rate Tables & Calculator Guide

Complete 2026 VA disability compensation rates with all dependent categories: spouse, children under 18, schoolchildren 18-23, and dependent parents. Learn the overlooked benefit of claiming parents, income limits, required forms, and how to maximize your tax-free benefits.

Read more → 2026 Rates VA Benefits Dependents

January 8, 2026 - 25 min read

The 20-Year vs 30-Year Decision: Complete Financial Analysis of Staying Past 20

Should you retire at 20 years or stay to 30? Comprehensive 2026 financial analysis with corrected pay data, pension calculations, TSP growth projections, opportunity costs, break-even analysis, and decision framework. Includes visual infographics and real-world case studies.

Read more → Career Planning Financial Analysis 2026 Data

📅 January 6, 2026 • 18 min read

TSP Roth Conversions + CZTE: Build $1M+ in Tax-Free Retirement Wealth

Starting Jan 28, 2026, TSP allows Roth in-plan conversions. Combined with Combat Zone Tax Exclusion, service members can build $80k+ in tax-free accounts in one deployment year—potentially growing to $1.3M+ over 30 years. Complete strategy guide with infographics.

Read more → TSP Strategy Deployment Finance Tax-Free Wealth

📅 January 5, 2026 • 12 min read

Free ChatGPT Plus for Veterans: How to Use AI to Ace Your Military-to-Civilian Transition

Transitioning servicemembers get ChatGPT Plus free for 1 year ($240 value). Learn exactly how to use AI for resume writing, interview prep, VA benefits navigation, and landing your dream civilian job with real examples.

Read more → Transition Free Resource Career

📅 January 4, 2026 • 8 min read

2026 Military Retirement & VA Disability Rates: Complete Guide with COLA Increases

Complete breakdown of 2026 military retirement pay (3.8% increase) and VA disability rates (2.8% COLA). See real examples of how much more you'll earn in 2026, plus state tax impacts on your retirement income.

Read more → 2026 Rates State Taxes

January 4, 2026 - 5 min read

Understanding Your Military Retirement Pay: High-3 vs BRS

Learn the key differences between the High-3 and Blended Retirement System (BRS) and how to maximize your military pension benefits.

Read more → Retirement Planning