Final Pay Plan

• 1). Find your qualifying years of work by adding your active-duty and credited reserve points, then divide them by 360.
  
  
• 2). Multiply your qualifying years of work by 2.5 percent. This percentage is your "retirement multiplier."
  
  
• 3). Write down your monthly income at the end of service.
  
  
• 4). Multiply the income by your retirement multiplier percentage to find your monthly retirement income.
  
  

High 3 Plan

• 1). Find your qualifying years of work by adding your active-duty and credited reserve points, then divide them by 360.
  
  
• 2). Multiply the qualifying years of work by 2.5 percent. This percentage is your retirement multiplier.
  
  
• 3). Add up your total income over your highest-paid three years of service.
  
  
• 4). Divide this number by 36. This is your average basic pay.
  
  
• 5). Multiply your average basic pay by your retirement multiplier percentage to find your monthly retirement income.
  
  

CSB/REDUX Plan

• 1). Find your qualifying years of work by adding your active-duty points and dividing them by 360.
  
  
• 2). Multiply your qualifying years of work (up to your 20th year) by 2 percent. This is your retirement multiplier if you've worked on active duty for 20 years or less. If you've worked on active duty for more than 20 years, multiply your qualifying years of work by 3.5 instead to find your retirement multiplier.
  
  
• 3). Add up your total income over your highest-paid three years of service.
  
  
• 4). Divide this number by 36. This is your average basic pay.
  
  
• 5). Multiply your average basic pay by your retirement multiplier percentage to find your monthly retirement income.