Military Benefits Tracker
Claim every dollar
you've earned
2026 pay, BAH by ZIP, TSP growth, and VA disability in one private app. No account, no bank login.
The questions this app answers
Half of enlisted families report high financial stress. Knowing your numbers is where fixing that starts.
- Monthly pay with BAS E-3 / 3 yrs / Active Duty
- $3,492/mo
- Annual military income Same profile, before special pay
- $41,903/yr
- TSP projection 5% contribution / 20-year horizon
- $88,868
- Combined VA rating 50% + 30%, whole-person method
- 70%
- Card credits worth tracking One premium travel card
- $2,494/yr
Sample estimates from the app. Your numbers depend on grade, years of service, ZIP code, dependents, and ratings. Verify official figures with DFAS, DTMO, and the VA.
One kit, every benefit
Built for Active Duty, Guard, Reserve, veterans, retirees, and the families who run the household budget.
- 01
Military Pay
2026 base pay for Active Duty, Reserve, and Guard, plus retirement income.
- 02
BAH & BAS
Housing rates by ZIP code and pay grade, with BAS and allowances included.
- 03
TSP Planning
Project growth, model BRS matching, and compare all six funds.
- 04
VA Disability
Combine ratings the way the VA does and estimate 2026 compensation.
- 05
Card Benefits
Track issuer-confirmed fee relief and statement credits before they expire.
- 06
Local Discounts
Source-linked military discounts and benefit locations near you.
- 07
State Benefits
Veteran benefits across all 50 states and Washington, D.C.
- 08
Travel Resources
USO centers, lounge access, and DoD, MWR, and military lodging.
Know your paycheck before the LES does
Estimate what you should be earning, whether you serve full time, drill on weekends, or are planning retirement.
- 2026 pay tables for every grade and service type
- BAH lookup by ZIP code and dependency status
- BAS, allowances, and special pay in one estimate
- High-36, BRS, REDUX, and Final Pay retirement math
Estimates for educational purposes. Confirm exact pay with DFAS or your finance office.
The math nobody teaches you
TSP, projected
A 5% contribution over 20 years, with BRS matching modeled across the C, S, I, F, G, and L Funds. Compare saved scenarios side by side.
Plan your TSPVA math, done right
The VA combines ratings against your remaining capacity, then rounds to the nearest 10%. The app does it for you and estimates 2026 compensation with dependents.
Calculate your ratingEducational estimates, not financial advice or a VA determination. Only the VA decides ratings and compensation.
Stop donating credits back to the bank
Servicemembers are heavily targeted by predatory lending. SCRA and MLA exist to protect you, and some issuers go further with voluntary fee relief.
- Organize eligible cards in one dashboard
- Track issuer-confirmed fee relief and statement credits
- Review SCRA and MLA resources before calling your issuer
- See trackable annual value left across your cards
Fee waivers and eligibility are never guaranteed. Always confirm with your card issuer.
Benefits within driving distance
A fast, filterable map of military discounts and benefit locations. Every listing links to its source so you can verify before you go.
- Food & retailVerified discount programs near your base or hometown.
- Hotels & travelMilitary rates, DoD and MWR lodging, and USO centers.
- Parks & recreationState benefits and passes across all 50 states and D.C.
- AirportsUSO centers and lounge access resources, with source links.
Free vs Pro
Core browsing and onboarding are free. Pro unlocks the complete toolkit as a subscription or a one-time lifetime purchase. Prices shown in the App Store.
| Feature | Free | Pro |
|---|---|---|
| Benefit browsing and onboarding | Yes | Yes |
| Core calculators and benefit library | Yes | Yes |
| Personalized eligibility matching | No | Yes |
| Advanced pay, BAH, and TSP calculators | No | Yes |
| Card credit reminders | No | Yes |
| Nearby military discount tools | No | Yes |
Purchase options: monthly subscription, annual subscription, an optional win-back annual offer, and a lifetime unlock. Payment is charged to your Apple ID at confirmation. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current billing period. Manage or cancel any time in Settings, Apple ID, Subscriptions. See the Terms of Use.
Field guides, plain English
Answers to the questions service members and veterans actually search for, with official sources linked.
Questions, answered
How is military base pay calculated in 2026?
Base pay is set by your pay grade and years of service using the official military pay tables. Military Benefits Tracker estimates 2026 base pay for Active Duty, Reserve, and National Guard service, then adds BAS, allowances, and special pay. Read the 2026 pay guide.
How do I find my BAH rate by ZIP code?
BAH depends on your duty station ZIP code, pay grade, and whether you have dependents. The app looks up BAH housing rates by ZIP code and pay grade in seconds. Read the BAH guide.
How does the VA combine disability ratings?
The VA uses a whole-person method: each additional rating applies only to the remaining non-disabled percentage, then the total is rounded to the nearest 10%. The app does this math for you and estimates 2026 compensation with dependents. Read the VA ratings guide.
How much will my TSP grow over time?
Growth depends on your contribution rate, BRS matching, time horizon, and allocation across the C, S, I, F, G, and L Funds. The app projects TSP growth so you can compare scenarios, as estimates rather than financial advice. Read the TSP guide.
Does SCRA waive credit card annual fees?
Some issuers voluntarily waive fees for eligible servicemembers under SCRA or MLA policies, but relief is never automatic. You must contact your issuer and confirm. The app helps you review SCRA and MLA resources and track issuer-confirmed relief. Read the SCRA guide.
Where can I find military discounts near me?
The app's map shows military discount programs and source-linked benefit locations near you: food, travel, hotels, parks, and more. Confirm each offer with the merchant before visiting. Read the discounts guide.
What benefits are available to National Guard members?
Guard members can be eligible for drill pay, certain federal programs, and state benefits such as tuition assistance that vary widely by state. Read the Guard and Reserve pay guide and the state benefits guide.
What veteran benefits are available in my state?
States offer property tax exemptions, education benefits, recreation passes, and more, each with its own eligibility rules. The app covers all 50 states and Washington, D.C., with links to official sources. Read the state benefits guide.
Can military members access airport lounges?
Many airports host USO centers, and certain lounges and credit cards offer access eligible military members can use. The app maps USO centers and lounge resources with source links. Read the travel benefits guide.
Does Military Benefits Tracker require a bank login?
No. There is no account, no bank login, and no data selling. Saved calculator and tracker data stays on your device. Read the Privacy Policy for details.
Your money.
Your mission.
Free on the App Store. No account, no bank login, and your data never leaves your phone.
Independent app. Military Benefits Tracker is an independent resource and is not affiliated with, endorsed by, or sponsored by the U.S. Department of Defense, Department of Veterans Affairs, or any government agency.
Estimates only. Calculations are estimates for educational purposes and are not financial, legal, tax, or medical advice. Always confirm eligibility, rates, and program details with the official source.