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U. S. Coast Guard Pay & Personnel Center

Retiree & Annuitant Services (RAS) Branch

How to Estimate Your Retirement Pay

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High-3 Calculator

The Department of Defense has introduced a new "legacy" High-3 Retirement Calculator to help members (Active Duty and Reserve) under the high-3 retirement system to estimate their retired pay.  This is the first widely-available calculator that allows Reservists to estimate their non-regular retired pay.  It also takes into account reduced-age retirement (although the user will have to know how much reduction he/she will get) and other
factors.    https://militarypay.defense.gov/Calculators/High-3-Calculator/

In order to get the most accurate estimate, you will need to know the following:
 
  1. Your DIEMS Date (Date Initially Entered Military Service);
  2. Your Active Duty Base Date ( this determines when you are eligible for an Active Duty retirement. For Reserve Personnel: This field might be set to 00 00 00, or contain an invalid date since a Reservist can enter/depart AD frequently. Use your Reserve Points Statement to determine eligibility for retirement upon obtaining 20 Satisfactory years of service.);
  3. Your Pay Entry Base Date (this determines your longevity for pay); and, for members with service in the Reserve Component, 
  4. Your Total Retirement Points

You can obtain the dates from the Employee Summary Sheet (ESS) in CGBI (Note: The ESS is a CG Network Link, please enter via a Coast Guard Standard Workstation or Virtual Desktop Interface) or the CG Member Information report in Direct Access self-service. The Reserve Points Statement provides your retirement points. Your personnel and administration office can also help you to obtain the information needed for the calculator. 

Disability Retirement
The multiplier for disability retired pay is either:

  • 2.5 percent for each year of service, or
  • disability percentage assigned by the service at the time you retire

For a member with 30 or more years of service, retiring on or before January 7, 2011, the retired pay multiplier may not exceed 75-percent. The retired pay multiplier is not limited for members with 30 or more years of service who retire on or after January 8, 2011. If you are on the Temporary Disability Retired List, the minimum multiplier is 50 percent while on the TDRL.

PPC uses the method that results in the largest payment. But if you'd like to choose the other method, please send PPC your request in writing.

Read more about disability retirement calculation in DoD Financial Management Regulation 7000.14-R (FMR), Volume 7b, Chapter 3, para 030102; Disability Retirement.

Reserve Retirement

The Department of Defense has introduced a new "legacy" High-3 Retirement Calculator to help members (Active Duty and Reserve) under the high-3 retirement system to estimate their retired pay.  This is the first widely-available calculator that allows Reservists to estimate their non-regular retired pay.  It also takes into account reduced-age retirement (although the user will have to know how much reduction he/she will get) and other
factors.    https://militarypay.defense.gov/Calculators/High-3-Calculator/

Depending on the date you initially entered military service, also called the DIEMS date, your monthly Coast Guard Reserve retired pay will be calculated under the Final Basic Pay or High-3 formula as follows:

DIEMS Date before 8 September 1980 - Final Pay

1. Multiply your years of equivalent service (see equivalent service formula below) by 2.5%, up to a maximum of 100%.

2. Multiply the result by the basic pay in effect on the date your retired pay begins (normally age 60).

DIEMS Date on or after 8 September 1980 - High 36

1. Multiply your years of equivalent service (see equivalent service formula below) by 2.5%, up to a maximum of 100%.

2. Multiply the result by the average of your highest 36 months of basic pay.
Note: The highest 36 months of basic pay for a service member who transfers to the Retired Reserve until age 60 will normally be the 36 months before age 60. Longevity service will continue and pay raises will continue to accrue. Service members, who elect discharge before age 60, will have their highest 36 months of basic pay based on the date of discharge. Longevity service stops and future pay raises will be considered.

As can be seen from these two examples, if you initially entered military service on or after 8 September 1980, you should think carefully before requesting a discharge. Taking a discharge will impact your retired pay.

*Equivalent Service = Total Creditable Retirement Points /360.  Total number of retirement points divided by 360. Carry the resultant figure to three decimal places, round to two decimal places. EXAMPLE: 4735 retirement points divided by 360 = 13.152 or 13.15-years of service for percentage purposes  to be multiplied by 2-1/2 percent.

Air Force Retirement Pay Estimate and SBP Calculator
MONTHLY RETIREMENT AND SBP ESTIMATES

 

By selecting the below link you will jump to the U.S. Air Force retirement estimate form. The following table is provided to assist Coast Guard personnel in understanding the acronyms used at the Air Force site.

You also might want to try out the calculators at this Department of Defense Site. They provide additional information on the value of your retirement benefit. Each retirement calculator estimates retired pay during retirement years. You can personalize the inputs to reflect your expectations about your retirement and economic conditions. The address of the page is: http://www.dod.gov/militarypay/retirement/calc/.

>>>>>>>>>> LINK TO RETIREMENT ESTIMATE FORM <<<<<<<<<
at https://w45.afpc.randolph.af.mil/RetSepCalcNet40/Home.aspx

       

Field description
Air Force Acronym USCG Equivalent
Pay Date Pay Base Date
1405 Date Use Active Duty Base Date unless you have earned reserve IDT points prior to earning an active duty retirement (see the definition section, below, for more information.)
DIEMS Date Date Initially Entered Military Service
TAFMS Date Active Duty Base Date
TAFCS Date Officer Only: Date Commissioned

          


Definition Section

  • 1405 Date - The 1405 Date is the Active Duty Base Date plus inactive duty service credit permitted under Title 10 USC Section 1405. This date is used as the basis for the multiplier for retired pay. 1405 Service is actually those Inactive Duty Training (IDT) points creditable toward retired pay that a reservist earned (normally prior to being ordered to continuous active duty service). We use the Active Duty Pay Base Date in this field for active duty retirements. For RPA's and other reserve component members who become entitled to an active duty retirement, drills , appropriate duty/RMPs, MFH, FHD points, are counted in computing a retiree's total active service for retired pay multiplier purposes.  IDT points may only be added to final active service total once the retiree has attained 20 years of active service.  The Maine National Guard Bureau provides a simple and clear explanation of how 1405 service is calculated if you'd like to know more:http://www.me.ngb.army.mil/dhr/AGR/ARMY/LOI%201405%20Service.htm.
  • Date of Rank - Date pinned on current rank
  • Date Entered Active Duty - Date member began active duty service (for Approximate Retirement Form only)
  • DIEMS Date - Date Initially Entered Military Service
  • Grade - Projected Rank of the member at retirement
  • Last Name - Last name of member receiving the estimate
  • Pay Date - Computed pay entry base date.
  • Projected Retirement Date - Projected date that member is retiring (always the first of the month)
  • SBP Base Amount - Amount of Retired Pay on which the annuity and cost are computed
  • TAFCS Date - Total Active Federal Commissioned Service Date. Computed date showing all active duty time as a commissioned officer
  • TAFMS Date - Total Active Federal Military Service Date. Computed date showing all active duty time

Your service dates (Active Duty Base Date, Expected Loss Date and Expected Active Duty Termination Date, Pay Entry Base Date, and the DIEMS Date) are shown in Direct Access on the Coast Guard Member Information report.

  • Pay Base Date - this determines your longevity for pay.
  • Active Duty Base Date - this determines when you are eligible for an Active Duty retirement. For Reserve Personnel: This field might be set to 00 00 00, or contain an invalid date since a Reservist can enter/depart AD frequently. Use your Reserve Points Statement to determine eligibility for retirement upon obtaining 20 Satisfactory years of service.
  • Exp Ad Term Date - this shows your current Active Duty contract expiration date.
  • Exp Loss Date - this shows the date all contracts expire.

>>>>>>>>>> LINK TO RETIREMENT ESTIMATE FORM <<<<<<<<<

Note, the estimate form will open in a new window so these instructions will remain available to you.