Build different versions of your military career, then see your projected pay, TSP, and pension for each one and compare them side by side. Built for active duty service members, by an active duty service member.
A career track is a what if version of your career. Build one, see what it could mean for your retirement, then build another and compare. Everything stays on your phone.
Enter your branch, rank progression, years of service, and TSP contributions. Each track is one possible path your career could take.
The app estimates your pay over time, your TSP balance, and your pension, using the 2026 DFAS basic pay tables and the numbers you entered.
Put two tracks next to each other and see the difference in plain numbers and a retirement chart. Comparing is free.
New to all of this? Investing 101 explains the pension, the TSP, and the terms you are looking at, in plain English.
When you first open the app it asks whether you are experienced with military retirement or new and learning. If you are new, it walks you into Investing 101 first so the numbers make sense before you start.
Rank & Retire is a planning and education tool, not financial advice. It turns the numbers you already have into a clear picture you can actually read.
Build separate what if versions of your career. Stay in for 20 years, get out early, change your contributions. Each one is its own track.
An at a glance view of each track, including a lifetime income estimate, so you can see where a path is heading without digging.
Set your branch, rank timeline, years of service, and TSP contributions. Adjust any input and watch the projection update.
View two tracks side by side with a retirement chart. Comparing is part of the free tier, not a paid feature.
A beginner friendly section that explains the pension, the TSP, the BRS match, and the terms behind your projection.
Projections default to today's (2026) dollars, what the money is worth now. One switch shows everything in future, inflation grown dollars.
Everything is stored on your device. No account, no login, no cloud sync, and no analytics in the current version.
Projections use the 2026 DFAS basic pay tables and the inputs you provide. Penalty free TSP access is modeled at age 60.
Active duty service members across all six branches. Enlisted, warrant, and commissioned pay grades, using the official 2026 DFAS basic pay tables.
The older pension. Your pension is based on the average of your highest 36 months of basic pay (your high-3 pay), multiplied by your years of service.
The Blended Retirement System. A smaller pension plus a government TSP match of up to 5%. This is the default for members who joined in 2018 or later.
You do not need a finance background to use this app. Investing 101 explains the pieces in plain language, the same way the in app lessons do. Here is what it covers.
The core idea behind investing. Your money earns money, and that grows on itself over time. This is why starting early matters more than almost anything else.
Military retirement has two main parts: the pension (a monthly check for life after 20 years) and the TSP (Thrift Savings Plan, your own investment account).
The two retirement systems, the pension multiplier, and what high-3 pay means (the average of your highest 36 months of basic pay).
Under BRS the government matches your TSP contributions up to 5%. That is free money. We also cover vesting and continuation pay.
The G, F, C, S, I, and L funds, and what conservative, moderate, and aggressive really mean when you pick how your money is invested.
Your DD-214, years of service, and the 20 year cliff. You generally need 20 years of service to earn the pension.
Why a dollar today is not the same as a dollar in 20 years, and how to read projections in today's money or future money.
Every number is a projection based on what you entered, not a promise. For real decisions, talk to your base financial readiness office or a certified professional.
The full calculation engine and the Compare feature are free. There is no subscription and nothing auto renews. One $2 payment removes the ads and unlocks unlimited tracks, for good.
The paywall only appears if you try to build a third track or want to remove the ads. Comparing two tracks never costs anything.
The questions service members ask most, answered plainly.
Rank & Retire is built and supported by a single active duty service member. It started as a simple question that is hard to answer well: what would my career actually be worth if I made a different choice?
Most tools give you a snapshot of today. This one lets you build full what if versions of your career and see your projected pay, TSP, and pension for each, then compare them in plain numbers. It is meant to make a confusing topic feel clear, especially for someone brand new to it.
It is a planning and education tool, not financial advice. For real money decisions, your base financial readiness office and certified professionals are the right call. The goal here is simply to help you walk in understanding the numbers.
Questions, bugs, or feedback? Reach out directly. Support is handled by the same person who built the app.
Email: support@ranknretire.com
Web: ranknretire.com
Rank & Retire is an iOS app. Download it free from the Apple App Store, with a $2 one time unlock when you are ready for unlimited tracks and no ads.