2023 BRS Comparison Calculator for Military Veterans

The Blended Retirement System (BRS) Comparison Calculator is a valuable online tool designed to help military personnel, both active duty and reservists, make informed decisions about their retirement options. The calculator allows users to assess and compare the financial aspects of two primary retirement systems available to them: the High-3 retirement system and the Blended Retirement System (BRS).


BRS Comparison Calculator

Estimated Monthly Pension (High-3):


Estimated Total Value (BRS):



Key Features of BRS:

  1. Service Years Input: Users enter their total years of service, which is a critical factor in determining their retirement benefits.
  2. Average Salary Input: Users input the average of their highest three years’ salary, which is a key component in calculating both High-3 and BRS benefits.
  3. Calculations: The calculator uses a straightforward formula to estimate retirement benefits. For the High-3 system, it calculates the monthly pension based on a fixed percentage of service years and average salary. For the BRS, it calculates the estimated total value, including the Thrift Savings Plan (TSP) contributions with government matching.
  4. Comparison: The calculator provides two main results side by side: the estimated monthly pension under the High-3 system and the estimated total value under the BRS. This allows users to see the financial impact of choosing one system over the other.
  5. User-Friendly Interface: The calculator offers a clean and user-friendly interface with clear labels and input fields, making it accessible to a wide range of users.

Why Use the BRS Comparison Calculator?

  1. Informed Decision-Making: The BRS Comparison Calculator empowers military personnel to make informed decisions about their retirement options. By entering their service details, they can quickly see how different choices will affect their retirement income.
  2. Financial Planning: Users can use the calculator to plan their financial future more effectively. It provides estimates that help them understand the potential retirement benefits and how they align with their financial goals.
  3. Comparison: The calculator allows users to compare the High-3 and BRS retirement systems side by side. This comparison helps individuals assess which system is a better fit for their specific circumstances and goals.
  4. Goal Setting: Military members can use the calculator to set retirement income goals and determine the steps required to achieve them. It helps them plan for a comfortable and secure retirement.
  5. Scenario Exploration: Users can experiment with different scenarios, such as extending their service years or increasing their TSP contributions under the BRS, to see how these choices impact their retirement benefits.
  6. Education: The calculator serves as an educational tool, providing users with insights into how retirement benefits are calculated and the factors that influence them.

In conclusion, the BRS Comparison Calculator is a valuable resource for military personnel as they navigate the complex decision of choosing between the High-3 and BRS retirement systems. It provides a clear and practical way to assess the financial implications of these choices, enabling individuals to make well-informed decisions about their retirement and financial future.

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