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Calcimator

Military Family Budget Calculator

Budget with base pay, BAH, BAS allowances, TSP contributions, and tax-free income benefits.

Inputs

%

Results

Total monthly pay ($)

$5,700.00

≈ 6 smartphones

Take-home pay ($)$5,105.00
Tax-free income ($)$2,200.00
TSP contribution ($)$175.00
Housing budget ($)$1,800.00
Discretionary budget ($)$1,839.00
How to Use This Calculator
  1. Enter base pay, Basic Allowance for Housing (BAH), and Basic Allowance for Subsistence (BAS) per month.
  2. Enter the number of dependents and the TSP contribution percentage of base pay.
  3. Review total monthly pay and tax-free income (BAH plus BAS combined).
  4. Check take-home pay after estimated taxes and the TSP contribution, along with the monthly TSP amount.
  5. Compare the housing budget (set to BAH) against the discretionary budget left after housing, food, and savings.

How the result changes with Base pay/month ($)

Base pay/month ($)Total monthly pay ($)
2,000$4,200.00
7,000$9,200.00
13,000$15,200.00
18,000$20,200.00

What each input means

Base pay/month ($)
Monthly base pay (taxable).
BAH allowance/month ($)
Basic Allowance for Housing (tax-free).
BAS allowance/month ($)
Basic Allowance for Subsistence (tax-free).
Number of dependents
Spouse and children.
TSP contribution (%)
Thrift Savings Plan contribution % of base pay.

What each result means

Total monthly pay ($)
Base pay plus all allowances.
Take-home pay ($)
After taxes and TSP contribution.
Tax-free income ($)
BAH and BAS combined (not taxed).
TSP contribution ($)
Monthly retirement savings.
Housing budget ($)
BAH covers housing costs.
Discretionary budget ($)
Available after housing, food, savings.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Base pay/month ($) = 3500, BAH allowance/month ($) = 1800, BAS allowance/month ($) = 400, Number of dependents = 2 = 5 input(s) provided
  2. Calculate Total monthly pay
    Total monthly pay = basePay + bahAllowance + basAllowance
    5700 = $5,700
  3. Calculate Take-home pay
    Take-home pay = netPay - tspMonthly
    5105 = $5,105
  4. Calculate Tax-free income
    Tax-free income = bahAllowance + basAllowance
    2200 = $2,200

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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