Military Retirement Divorce Calculator

Military Retirement Divorce Calculator provides accurate estimates for USFSPA pension division, VA waivers, CRDP restoration, SBP premiums, frozen benefit rules, SSA life expectancy valuation, and federal garnishment limits. Results appear in a structured dashboard built for service members, user Pro

Gross Retired Pay

VA Disability Rating

Creditable Service (Yrs)

Marriage Overlap (Mos)

SBP Election

Rank / Grade

Jurisdiction (Base)

Children (Support)

CRDP ACTIVE

DISPOSABLE POT

—

USFSPA NDRP —

Member Retains

—

Spouse Award

—

Tax Shield (VA)

—

Direct Pay

—

01 Core Pension Metrics

▼

📉 Gross Retired Pay

—

Total monthly entitlement before any deductions or waivers.

SourceDFAS

TaxableYes

STATUS: Confirmed

💸 Disposable Pay

—

The legally divisible “Pot” under USFSPA rules.

FormulaGross-VA-SBP

DivisibleUSFSPA

TARGET: —

⚖️ Marital Fraction

—

Ratio of pension earned during the marriage overlap.

Overlap—

Service—

RATIO: —

02 Federal Offsets & Shields

▼

💰 VA Disability Waiver

—

Pension amount waived to receive tax-free VA pay. Non-divisible.

Deduction—

ProtectedYes

IMPACT: —

🏠 CRDP Restoration

—

Concurrent Receipt restores pension if rating ≥50% & 20 Yrs.

Qualified—

RestoredFull

STATUS: —

💳 SBP Premium Cost

—

Survivor Benefit Plan cost. Deducted from Gross before division.

Rate6.5%

BaseGross

DEDUCTION: —

03 Former Spouse Award

▼

🧸 Spouse Award %

—

Standard Formula: 50% of the Marital Fraction.

Multiplier0.5

BasisFraction

OUTCOME: —

🧠 Spouse Monthly

—

Estimated monthly payment to former spouse.

PayeeSpouse

SourceDFAS/Mem

CASH FLOW: —

🚧 Est. Lifetime Value

—

Actuarial value based on SSA Period Life Table (2020).

Est Age—

Years—

ASSET VAL: —

04 Benefits & Healthcare

▼

🤝 SBP Annuity Value

—

Monthly payout to spouse if member dies.

Level55% Base

InflationIndexed

INSURANCE: —

🧑‍⚖️ 20/20/20 Medical

—

Full TRICARE medical eligibility for former spouse.

Req20/20/20

Access—

HEALTH: —

📜 Base Privileges

—

Access to Commissary (Grocery) and Exchange (PX).

ID Card—

GateAccess

PERKS: —

05 Payment Logistics

▼

📈 10/10 Direct Pay

—

DFAS sends payment directly to spouse (requires 10yr overlap).

Overlap>10 Yrs

Method—

ROUTING: —

🏡 Federal Cap

—

Federal cap adjusted for family support obligations.

Kids—

Limit—

LAW: 15 USC 1673

🦅 Member Total Pocket

—

Total retained income: Remaining Pension + Tax-Free VA.

Pension—

VA Pay—

NET INCOME: —

Related Tools & Calculators: