Navy Reserve Retirement Calculator

Navy Reserve non-regular retirement, computed from the statute — points ÷ 360, High-3 or BRS — with Navy 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 Navy way

Points and satisfactory years live on your ARPR/ASOSH, pulled from BUPERS Online. Drill periods earn a point each (a weekend is four), active-duty and AT days one per day, plus 15 annual membership points — inactive-duty points cap at 130 per year for the pension math. 10 U.S.C. § 12732 DoDI 1215.07

Reduced pay age: qualifying mobilizations since Jan 28, 2008 (including § 12301(d) voluntary recalls and § 12302/§ 12304b activations) reduce the age-60 start by 3 months per 90-day aggregate, with the fiscal-year aggregation rules applied — check your exact date with the reduced-age calculator. 10 U.S.C. § 12731

Navy Reserve FAQ

Where do I find my Navy Reserve retirement points?
Your Annual Retirement Point Record / Annual Statement of Service History (ARPR/ASOSH) on BUPERS Online (bol.navy.mil), CAC required. It lists points by anniversary year and marks which years were satisfactory toward the 20 you need.
What does the Navy call a "good year"?
A "qualifying year" or "satisfactory year" — same 50-point test in an anniversary year set by 10 U.S.C. § 12732. Sailors track it on the ARPR; the terminology differs by branch, the statute doesn’t.
Who processes my Navy Reserve retirement?
Navy Personnel Command’s reserve retirement branch (through MyNavyHR). Submit the retired-pay application in the window before your eligibility date — age 60, or earlier if you have qualifying post-January-2008 active duty.