SeparationMath

Money math for leaving the military

Free calculators for the money decisions you make at separation, using official 2026 rates and the same formulas the agencies use.

Last reviewed October 19, 2026 · Not affiliated with DoD or VA

Most used

TSP cash-out vs. rollover

What cashing out really costs: tax, the 10% penalty, 20% withholding, Roth earnings. Compared with a $0 rollover.

Rates eff. Dec 1, 2025

VA combined rating & pay

VA math step by step, the bilateral factor, and your monthly payment from the official table.

60-day cap

Terminal leave vs. sell-back

What your leave is worth, days you might lose, and a final paycheck estimate.

10 U.S.C. 1174

Separation pay

Full or half involuntary separation pay, withholding, and VA recoupment.

2026-27

GI Bill housing allowance

Post-9/11 MHA for in-person, online-only, or part-time school.

Transition Money Planner

One spreadsheet for your whole transition: month-by-month budget, income gap, TSP decision, VA pay, emergency-fund runway, and a separation checklist. Works in Excel and Google Sheets.

See the plannerFree lite version

Why trust these numbers?

Official sources onlyEvery rate and rule links to tsp.gov, va.gov, the IRS, DoD, or the U.S. Code, with the data year shown.
Formulas shownEach page writes out the exact math, with worked examples from the official source.
Private by designCalculators run in your browser. No sign-up, and nothing you enter is sent to us.
Built by a veteranMade by someone who just went through separation and asked these same questions.

About these tools

Leaving the military comes with a pile of one-time money decisions: what to do with your TSP, how to use your leave, what your VA rating pays, and how much the GI Bill covers. These calculators answer those questions with the same formulas the agencies use, in plain English. They are educational estimates, not advice, and they are not connected to any government agency.