Military Financial Intelligence

You earn more than you think. Now act like it.

MilWallet shows active-duty service members their true total compensation and tells them exactly how to optimize every dollar, from TSP allocations to PCS moves to deployment savings.

Calculate Your Total Compensation
$25K+
Hidden in tax-free allowances
for a typical E-5
400K
PCS moves per year with
zero financial planning tools
5%
Free TSP match most
junior enlisted leave on the table

Military pay is the most complex comp structure in America.

6-10 components. Tax-free allowances. Location-dependent rates. Deployment modifiers. And the only tools out there are static calculators that show you what you earn, not what to do about it.

You don't know your real salary

Base pay, BAH, BAS, COLA, special pays, tax advantages. Most service members see their LES and think they earn $40K when the real number is $65K+.

Your TSP is probably wrong

Under BRS, the government matches 5% of your contributions. A huge share of junior enlisted either miss the full match or make suboptimal Roth vs. Traditional decisions.

PCS moves destroy budgets

Moving from $3,400/mo BAH in San Diego to $1,800/mo at Fort Cavazos wrecks your finances if you don't plan ahead. No tool helps you prepare.

Deployments are a missed opportunity

Combat zone tax exclusion makes ALL pay tax-free. The optimal move is maxing Roth TSP and the Savings Deposit Program at 10% interest. Most soldiers don't adjust.

From "what do I earn" to "what should I do."

01

Total Compensation Dashboard

Enter your rank, years of service, duty station ZIP, and dependency status. See every pay component, your tax-free breakdown, and what a civilian would need to earn to match you.

E-5, 6 yrs, Fort Liberty, married = $68,400 total / $82K civilian equivalent
02

TSP Optimizer

Personalized contribution percentage, Roth vs. Traditional recommendation, fund allocation by age and risk tolerance. Toggle deployment mode to see why maxing Roth during CZTE is optimal.

Projected TSP at 20 years under 3 contribution scenarios
03

PCS Financial Planner

Side-by-side comparison of your current and new duty station: BAH change, COLA change, cost-of-living delta, DLA entitlement, MALT reimbursement, and per diem calculations.

Flags risks: "Your BAH drops $800/mo. Review housing before signing."
04

Deployment Savings Maximizer

Shows exactly how to maximize tax-free pay during combat zone deployments. Roth TSP contribution targets, SDP deposit timing for 10% guaranteed returns, and total projected savings.

Model: "Save $15,000+ extra on a 9-month deployment"

Thermometer vs. Thermostat

Free calculators show you the temperature. MilWallet adjusts it.

Free Calculators

Show base pay tables
BAH lookup by ZIP
Generic retirement projections
No personalized advice
No deployment awareness
No PCS transition planning

MilWallet

Full compensation dashboard
Civilian salary equivalent
Personalized TSP optimization
Roth vs. Traditional recommendation
Deployment savings maximizer
PCS financial planner with risk alerts

Built by a Ranger who lived every one of these problems.

Seven years of active duty. Three combat deployments. Camp Casey, Fort Benning, too many PCS moves. MilWallet exists because no tool like this existed when it was needed most.

See Your True Pay Now