Army Reserve Retirement Calculator

Your USAR non-regular retirement, computed the way the statute says — points ÷ 360, High-3 or BRS, whole-dollar rounding — with Army Reserve specifics below.

Retirement plan
Not sure which plan you're under?

If you first entered service on or after January 1, 2018, you're automatically under BRS. If you joined earlier, you're under the legacy High-3 system unless you opted into BRS during 2018 (the opt-in was open to members with fewer than 4,320 points as of December 31, 2017). Your myPay LES shows which system you're in.

Years with at least 50 retirement points, from your points statement. 20 are required.

Not sure of your total? Estimate my points

A typical drill weekend is 4 periods (48/year). Each year also earns 15 gross membership points automatically. Annual caps were lower before 2008, so long-career estimates run a little high.

≈ 1,560 points
High-3 monthly basic pay

Uses the current DFAS pay table (2026-01-01) as an approximation of your high-3 average. If you know your actual high-3, use direct entry instead.

What counts? (this reduces your pay age)

Title 10 mobilizations and certain operational-support active duty (e.g. § 12301(d), § 12302, § 12304b orders) and Title 32 § 502(f) duty for a national emergency. Annual training and most schools generally don't count. Only full 90-day aggregates accumulated within a single fiscal year count (or across two consecutive fiscal years for service after Sep 30, 2014), and each day counts only once — enter the total days from qualifying 90-day aggregates. Each aggregate moves your pay age 3 months below 60, to a floor of 50.

Not sure? Compute it precisely from your orders →

Fill in your qualifying years, career points, and pay details — the estimate updates as you type.

Your inputs, the Army Reserve way

Points and good years come from your DA Form 5016, available through HRC’s My Record Portal (CAC required). Use the career-total points line for the calculator, and count the anniversary years marked as qualifying toward your 20. 10 U.S.C. § 12731 DoDI 1215.07

Grade and years of servicedrive the high-3 lookup — or enter your own high-3 directly if you’ve computed it from your last 36 months of LES basic pay. 10 U.S.C. § 1407

Qualifying active duty since Jan 28, 2008— Title 10 mobilizations (§ 12302, § 12304b) and voluntary operational support (§ 12301(d)) reduce your pay age by 3 months per 90-day aggregate. RST, AT, and schools don’t. Work your exact date with the reduced-age calculator. 10 U.S.C. § 12731

USAR process notes

HRC is your retirement agency: the 20-year letter, the retired pay application (start 9–12 months out), and reduced-age crediting all run through it. Gray-area USAR retirees keep accruing high-3 growth until pay starts — the pension is computed on the pay tables in effect at your pay-start date, not your last drill. 10 U.S.C. § 1407

Army Reserve FAQ

Where do I find my Army Reserve retirement points?
Your DA Form 5016 (Chronological Statement of Retirement Points) — pull it from HRC through the My Record Portal at hrc.army.mil with your CAC. It lists points by anniversary year and flags which years qualified. Review it annually; correcting an old year is much easier before you need it.
Who handles my Army Reserve retirement and reduced-age determination?
Human Resources Command (HRC). USAR soldiers apply for retired pay through HRC (start about 9–12 months before your eligibility date), and HRC determines your credited reduced-age periods for post-2008 qualifying mobilizations.
Does AGR time in the Army Reserve change the calculation?
AGR days earn a full retirement point per day and often produce a much larger points total and pension. But AGR duty under 10 U.S.C. § 12310 does not count toward reducing the age-60 pay start.