Below is a real worksheet, not a mockup. Every number and every chart on this page came out of the same engine that will run yours, for one example person: an E-7 retiring at 20 years with a 70% VA rating, a spouse and two children, in California.
The same pension, taxed by different states. For this person, 38 states charge nothing at all, and moving to the worst one (Oregon) would cost about $38,000 over 20 years.
If a pending claim or a secondary condition moved this person from 70% to 100%, that is about $27,000 a year, tax-free. The worksheet prices every step in between so you know what filing is actually worth before you spend six months on it.
A pension is easy to underrate month to month. With cost-of-living adjustments, this one pays about $1.1M across 30 years. The worksheet lists it year by year.
Start with the free calculator. It takes about a minute, there is no account, and nothing is saved to a server. You will see your pension, your VA total, and what your state does to it.
Run my numbers, freeThe worksheet shows the numbers. The plan says what they mean for your household. You answer a few questions about expenses, savings, spouse income, and when you plan to claim Social Security, and it writes three pages against your own figures. Here is the sample person's, in their plan's own words.
Every figure in the plan is computed in code from your answers. The model writes the paragraphs around those figures and never invents a number.
Three charts is what fits on one web page. The worksheet itself runs seven sections plus the plan, built to print or hand to a spouse or an advisor:
Run the free calculator first so the worksheet has your numbers to work from. Then this builds in your browser, with a 5-day money-back guarantee and no subscription. Regenerate it any time your rank, rating, or state changes, at no extra charge.
Get the worksheet, $4.99Built by one person, a retired Army veteran with 22 years in who went through the transition himself. More about the numbers and where they come from.