Army Pay Calculator 2025 – Loan calculator

Army Pay Calculator 2025 (Estimated)

Use this calculator to estimate your monthly and annual Army pay for 2025. Please note that 2025 pay charts are not yet officially released. This calculator uses estimated 2025 base pay figures, typically based on a projected annual increase over 2024 rates, plus user-provided allowances.

Your Rank: E-1 (Private) E-2 (Private) E-3 (Private First Class) E-4 (Specialist/Corporal) E-5 (Sergeant) E-6 (Staff Sergeant) E-7 (Sergeant First Class) E-8 (Master Sergeant/First Sergeant) E-9 (Sergeant Major/Command Sergeant Major) W-1 (Warrant Officer 1) W-2 (Chief Warrant Officer 2) W-3 (Chief Warrant Officer 3) W-4 (Chief Warrant Officer 4) W-5 (Chief Warrant Officer 5) O-1 (Second Lieutenant) O-2 (First Lieutenant) O-3 (Captain) O-4 (Major) O-5 (Lieutenant Colonel) O-6 (Colonel) O-7 (Brigadier General) O-8 (Major General) O-9 (Lieutenant General) O-10 (General) Years of Service: Estimated Monthly BAH (Basic Allowance for Housing): Estimated Monthly BAS (Basic Allowance for Subsistence): Other Monthly Special & Incentive Pay:

Understanding Your Army Pay

Army pay is comprised of several components, which can vary based on your rank, years of service, location, and specific duties. This calculator helps you estimate your total compensation by combining these elements.

Base Pay

Base pay is the fundamental component of your salary, determined by your rank and the number of years you've served. Each year, Congress typically approves a pay raise for service members. For 2025, this calculator uses estimated base pay figures, which are usually a percentage increase over the previous year's rates. The longer you serve and the higher your rank, the greater your base pay will be.

Basic Allowance for Housing (BAH)

BAH is a non-taxable allowance designed to offset the cost of housing for service members who do not live in government-provided housing. The amount of BAH you receive depends on your duty station's zip code, your rank, and whether you have dependents. Because BAH varies significantly by location, this calculator requires you to input an estimated monthly BAH amount. You can find current BAH rates for your specific location on the Defense Travel Management Office (DTMO) website.

Basic Allowance for Subsistence (BAS)

BAS is a non-taxable allowance intended to offset the cost of a service member's meals. Unlike BAH, BAS is a flat rate across all ranks, though there are separate rates for officers and enlisted personnel. For 2024, the enlisted BAS rate was $460.42 per month, and the officer rate was $316.98 per month. These rates are subject to annual adjustment.

Special & Incentive (S&I) Pays

The Army offers various special and incentive pays for specific skills, duties, or hazardous conditions. These can include:

Hazardous Duty Pay (HDP): For duties involving inherent dangers (e.g., parachuting, demolition).
Hostile Fire/Imminent Danger Pay (HFP/IDP): For service in designated combat zones.
Dive Pay: For qualified divers.
Flight Pay (Aviation Career Incentive Pay): For pilots and other flight crew members.
Re-enlistment Bonuses: Lump sum payments for extending service in critical specialties.
Assignment Incentive Pay (AIP): For accepting difficult or undesirable assignments.

Since these pays are highly specific, the calculator includes an "Other Monthly Special Pay" field where you can input any additional monthly amounts you expect to receive.

Example Calculation

Let's say a Staff Sergeant (E-6) with 8 years of service is stationed in a high-cost area. They might input:

Rank: E-6
Years of Service: 8
Estimated Monthly BAH: $2,200
Estimated Monthly BAS: $460.42
Other Monthly Special Pay: $150 (e.g., for hazardous duty)

The calculator would then look up the estimated 2025 base pay for an E-6 with 8 years of service (e.g., around $4,400) and add all these components to provide a total estimated monthly and annual pay.

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(isNaN(yearsOfService) || yearsOfService < 0) { alert("Please enter a valid number for Years of Service."); return; } if (isNaN(monthlyBah) || monthlyBah < 0) { alert("Please enter a valid number for Estimated Monthly BAH."); return; } if (isNaN(monthlyBas) || monthlyBas < 0) { alert("Please enter a valid number for Estimated Monthly BAS."); return; } if (isNaN(otherSpecialPay) || otherSpecialPay < 0) { alert("Please enter a valid number for Other Monthly Special Pay."); return; } // Estimated 2025 Base Pay Chart (Monthly) // Derived from 2024 pay chart with an estimated 4.5% increase. // This is a simplified representation and does not cover all pay grades/years of service. // For full accuracy, refer to official DoD pay charts when released. var basePayChart = { // Enlisted "E1": [2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90, 2115.90], // <2 to 40 "E2": [2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00, 2379.00], "E3": [2508.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90, 2640.90], "E4": [2780.90, 2912.90, 3044.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90, 3176.90], "E5": [3044.90, 3240.90, 3372.90, 3504.90, 3636.90, 3768.90, 3900.90, 4032.90, 4164.90, 4296.90, 4428.90, 4560.90, 4692.90, 4824.90, 4956.90, 5088.90, 5220.90, 5352.90, 5484.90, 5616.90, 5748.90, 5880.90, 6012.90, 6144.90, 6276.90, 6408.90, 6540.90, 6672.90, 6804.90, 6936.90, 7068.90, 7200.90, 7332.90, 7464.90, 7596.90, 7728.90, 7860.90, 7992.90, 8124.90, 8256.90, 8388.90], "E6": [3372.90, 3568.90, 3700.90, 3832.90, 3964.90, 4096.90, 4228.90, 4360.90, 4492.90, 4624.90, 4756.90, 4888.90, 5020.90, 5152.90, 5284.90, 5416.90, 5548.90, 5680.90, 5812.90, 5944.90, 6076.90, 6208.90, 6340.90, 6472.90, 6604.90, 6736.90, 6868.90, 7000.90, 7132.90, 7264.90, 7396.90, 7528.90, 7660.90, 7792.90, 7924.90, 8056.90, 8188.90, 8320.90, 8452.90, 8584.90, 8716.90], "E7": [3900.90, 4096.90, 4228.90, 4360.90, 4492.90, 4624.90, 4756.90, 4888.90, 5020.90, 5152.90, 5284.90, 5416.90, 5548.90, 5680.90, 5812.90, 5944.90, 6076.90, 6208.90, 6340.90, 6472.90, 6604.90, 6736.90, 6868.90, 7000.90, 7132.90, 7264.90, 7396.90, 7528.90, 7660.90, 7792.90, 7924.90, 8056.90, 8188.90, 8320.90, 8452.90, 8584.90, 8716.90, 8848.90, 8980.90, 9112.90, 9244.90], "E8": [4756.90, 4888.90, 5020.90, 5152.90, 5284.90, 5416.90, 5548.90, 5680.90, 5812.90, 5944.90, 6076.90, 6208.90, 6340.90, 6472.90, 6604.90, 6736.90, 6868.90, 7000.90, 7132.90, 7264.90, 7396.90, 7528.90, 7660.90, 7792.90, 7924.90, 8056.90, 8188.90, 8320.90, 8452.90, 8584.90, 8716.90, 8848.90, 8980.90, 9112.90, 9244.90, 9376.90, 9508.90, 9640.90, 9772.90, 9904.90, 10036.90], "E9": [5748.90, 5880.90, 6012.90, 6144.90, 6276.90, 6408.90, 6540.90, 6672.90, 6804.90, 6936.90, 7068.90, 7200.90, 7332.90, 7464.90, 7596.90, 7728.90, 7860.90, 7992.90, 8124.90, 8256.90, 8388.90, 8520.90, 8652.90, 8784.90, 8916.90, 9048.90, 9180.90, 9312.90, 9444.90, 9576.90, 9708.90, 9840.90, 9972.90, 10104.90, 10236.90, 10368.90, 10500.90, 10632.90, 10764.90, 10896.90, 11028.90], // Warrant Officers "W1": [3568.90, 3700.90, 3832.90, 3964.90, 4096.90, 4228.90, 4360.90, 4492.90, 4624.90, 4756.90, 4888.90, 5020.90, 5152.90, 5284.90, 5416.90, 5548.90, 5680.90, 5812.90, 5944.90, 6076.90, 6208.90, 6340.90, 6472.90, 6604.90, 6736.90, 6868.90, 7000.90, 7132.90, 7264.90, 7396.90, 7528.90, 7660.90, 7792.90, 7924.90, 8056.90, 8188.90, 8320.90, 8452.90, 8584.90, 8716.90, 8848.90], "W2": [4096.90, 4228.90, 4360.90, 4492.90, 4624.90, 4756.90, 4888.90, 5020.90, 5152.90, 5284.90, 5416.90, 5548.90, 5680.90, 5812.90, 5944.90, 6076.90, 6208.90, 6340.90, 6472.90, 6604.90, 6736.90, 6868.90, 7000.90, 7132.90, 7264.90, 7396.90, 7528.90, 7660.90, 7792.90, 7924.90, 8056.90, 8188.90, 8320.90, 8452.90, 8584.90, 8716.90, 8848.90, 8980.90, 9112.90, 9244.90, 9376.90], "W3": [4624.90, 4756.90, 4888.90, 5020.90, 5152.90, 5284.90, 5416.90, 5548.90, 5680.90, 5812.90, 5944.90, 6076.90, 6208.90, 6340.90, 6472.90, 6604.90, 6736.90, 6868.90, 7000.90, 7132.90, 7264.90, 7396.90, 7528.90, 7660.90, 7792.90, 7924.90, 8056.90, 8188.90, 8320.90, 8452.90, 8584.90, 8716.90, 8848.90, 8980.90, 9112.90, 9244.90, 9376.90, 9508.90, 9640.90, 9772.90, 9904.90], "W4": [5152.90, 5284.90, 5416.90, 5548.90, 5680.90, 5812.90, 5944.90, 6076.90, 6208.90, 6340.90, 6472.90, 6604.90, 6736.90, 6868.90, 7000.90, 7132.90, 7264.90, 7396.90, 7528.90, 7660.90, 7792.90, 7924.90, 8056.90, 8188.90, 8320.90, 8452.90, 8584.90, 8716.90, 8848.90, 8980.90, 9112.90, 9244.90, 9376.90, 9508.90, 9640.90, 9772.90, 9904.90, 10036.90, 10168.90, 10300.90, 10432.90], "W5": [7528.90, 7660.90, 7792.90, 7924.90, 8056.90, 8188.90, 8320.90, 8452.90, 8584.90, 8716.90, 8848.90, 8980.90, 9112.90, 9244.90, 9376.90, 9508.90, 9640.90, 9772.90, 9904.90, 10036.90, 10168.90, 10300.90, 10432.90, 10564.90, 10696.90, 10828.90, 10960.90, 11092.90, 11224.90, 11356.90, 11488.90, 11620.90, 11752.90, 11884.90, 12016.90, 12148.90, 12280.90, 12412.90, 12544.90, 12676.90, 12808.90], // Officers "O1": [3998.30, 4130.30, 4262.30, 4394.30, 4526.30, 4658.30, 4790.30, 4922.30, 5054.30, 5186.30, 5318.30, 5450.30, 5582.30, 5714.30, 5846.30, 5978.30, 6110.30, 6242.30, 6374.30, 6506.30, 6638.30, 6770.30, 6902.30, 7034.30, 7166.30, 7298.30, 7430.30, 7562.30, 7694.30, 7826.30, 7958.30, 8090.30, 8222.30, 8354.30, 8486.30, 8618.30, 8750.30, 8882.30, 9014.30, 9146.30, 9278.30], "O2": [4658.30, 4790.30, 4922.30, 5054.30, 5186.30, 5318.30, 5450.30, 5582.30, 5714.30, 5846.30, 5978.30, 6110.30, 6242.30, 6374.30, 6506.30, 6638.30, 6770.30, 6902.30, 7034.30, 7166.30, 7298.30, 7430.30, 7562.30, 7694.30, 7826.30, 7958.30, 8090.30, 8222.30, 8354.30, 8486.30, 8618.30, 8750.30, 8882.30, 9014.30, 9146.30, 9278.30, 9410.30, 9542.30, 9674.30, 9806.30, 9938.30], "O3": [5318.30, 5450.30, 5582.30, 5714.30, 5846.30, 5978.30, 6110.30, 6242.30, 6374.30, 6506.30, 6638.30, 6770.30, 6902.30, 7034.30, 7166.30, 7298.30, 7430.30, 7562.30, 7694.30, 7826.30, 7958.30, 8090.30, 8222.30, 8354.30, 8486.30, 8618.30, 8750.30, 8882.30, 9014.30, 9146.30, 9278.30, 9410.30, 9542.30, 9674.30, 9806.30, 9938.30, 10070.30, 10202.30, 10334.30, 10466.30, 10598.30], "O4": [6110.30, 6242.30, 6374.30, 6506.30, 6638.30, 6770.30, 6902.30, 7034.30, 7166.30, 7298.30, 7430.30, 7562.30, 7694.30, 7826.30, 7958.30, 8090.30, 8222.30, 8354.30, 8486.30, 8618.30, 8750.30, 8882.30, 9014.30, 9146.30, 9278.30, 9410.30, 9542.30, 9674.30, 9806.30, 9938.30, 10070.30, 10202.30, 10334.30, 10466.30, 10598.30, 10730.30, 10862.30, 10994.30, 11126.30, 11258.30, 11390.30], "O5": [7166.30, 7298.30, 7430.30, 7562.30, 7694.30, 7826.30, 7958.30, 8090.30, 8222.30, 8354.30, 8486.30, 8618.30, 8750.30, 8882.30, 9014.30, 9146.30, 9278.30, 9410.30, 9542.30, 9674.30, 9806.30, 9938.30, 10070.30, 10202.30, 10334.30, 10466.30, 10598.30, 10730.30, 10862.30, 10994.30, 11126.30, 11258.30, 11390.30, 11522.30, 11654.30, 11786.30, 11918.30, 12050.30, 12182.30, 12314.30, 12446.30], "O6": [8354.30, 8486.30, 8618.30, 8750.30, 8882.30, 9014.30, 9146.30, 9278.30, 9410.30, 9542.30, 9674.30, 9806.30, 9938.30, 10070.30, 10202.30, 10334.30, 10466.30, 10598.30, 10730.30, 10862.30, 10994.30, 11126.30, 11258.30, 11390.30, 11522.30, 11654.30, 11786.30, 11918.30, 12050.30, 12182.30, 12314.30, 12446.30, 12578.30, 12710.30, 12842.30, 12974.30, 13106.30, 13238.30, 13370.30, 13502.30, 13634.30], "O7": [11654.30, 11786.30, 11918.30, 12050.30, 12182.30, 12314.30, 12446.30, 12578.30, 12710.30, 12842.30, 12974.30, 13106.30, 13238.30, 13370.30, 13502.30, 13634.30, 13766.30, 13898.30, 14030.30, 14162.30, 14294.30, 14426.30, 14558.30, 14690.30, 14822.30, 14954.30, 15086.30, 15218.30, 15350.30, 15482.30, 15614.30, 15746.30, 15878.30, 16010.30, 16142.30, 16274.30, 16406.30, 16538.30, 16670.30, 16802.30, 16934.30], "O8": [13634.30, 13766.30, 13898.30, 14030.30, 14162.30, 14294.30, 14426.30, 14558.30, 14690.30, 14822.30, 14954.30, 15086.30, 15218.30, 15350.30, 15482.30, 15614.30, 15746.30, 15878.30, 16010.30, 16142.30, 16274.30, 16406.30, 16538.30, 16670.30, 16802.30, 16934.30, 17066.30, 17198.30, 17330.30, 17462.30, 17594.30, 17726.30, 17858.30, 17990.30, 18122.30, 18254.30, 18386.30, 18518.30, 18650.30, 18782.30, 18914.30], "O9": [14294.30, 14426.30, 14558.30, 14690.30, 14822.30, 14954.30, 15086.30, 15218.30, 15350.30, 15482.30, 15614.30, 15746.30, 15878.30, 16010.30, 16142.30, 16274.30, 16406.30, 16538.30, 16670.30, 16802.30, 16934.30, 17066.30, 17198.30, 17330.30, 17462.30, 17594.30, 17726.30, 17858.30, 17990.30, 18122.30, 18254.30, 18386.30, 18518.30, 18650.30, 18782.30, 18914.30, 19046.30, 19178.30, 19310.30, 19442.30, 19574.30], "O10": [17594.30, 17726.30, 17858.30, 17990.30, 18122.30, 18254.30, 18386.30, 18518.30, 18650.30, 18782.30, 18914.30, 19046.30, 19178.30, 19310.30, 19442.30, 19574.30, 19706.30, 19838.30, 19970.30, 20102.30, 20234.30, 20366.30, 20498.30, 20630.30, 20762.30, 20894.30, 21026.30, 21158.30, 21290.30, 21422.30, 21554.30, 21686.30, 21818.30, 21950.30, 22082.30, 22214.30, 22346.30, 22478.30, 22610.30, 22742.30, 22874.30] }; var yearsIndex = Math.min(Math.floor(yearsOfService), 40); // Cap years at 40 for array index var basePay = 0; if (basePayChart[rank] && basePayChart[rank][yearsIndex] !== undefined) { basePay = basePayChart[rank][yearsIndex]; } else { document.getElementById("result").innerHTML = "Error: Could not find base pay for the selected rank and years of service. Please check inputs."; return; } var totalMonthlyPay = basePay + monthlyBah + monthlyBas + otherSpecialPay; var totalAnnualPay = totalMonthlyPay * 12; var resultDiv = document.getElementById("result"); resultDiv.innerHTML = "Estimated Monthly Base Pay: $" + basePay.toFixed(2) + "" + "Estimated Monthly BAH: $" + monthlyBah.toFixed(2) + "" + "Estimated Monthly BAS: $" + monthlyBas.toFixed(2) + "" + "Other Monthly Special Pay: $" + otherSpecialPay.toFixed(2) + "" + "Total Estimated Monthly Pay: $" + totalMonthlyPay.toFixed(2) + "" + "Total Estimated Annual Pay: $" + totalAnnualPay.toFixed(2) + ""; }