Military Millionaire

Military Millionaire is an independent educational app that helps service members understand their pay, plan for retirement, and make smarter financial decisions throughout their career.

WHAT'S INSIDE TSP Projection: Forecast your Thrift Savings Plan balance using real historical fund returns. Adjust contribution percentage, Roth/Traditional split, fund allocation, and projection length. See both future-dollar and today's-dollar amounts side by side. Pay Calculator: See your true monthly take-home — basic pay, BAH, BAS, special pays, federal tax, state tax, SGLI, dental, and TSP contributions. Match your LES line-by-line. Pension & VA Disability: Project your monthly retirement income from a military pension plus VA disability compensation. Model High-3, BRS (with or without lump sum), and REDUX. Includes lifetime totals in both today's dollars and future dollars. VA Loan Calculator: Estimate the true monthly cost of buying a home with a VA loan — including funding fee, property tax, homeowner insurance, and cash to close. Getting Out: Find the civilian gross salary you'd need to match your military take-home, accounting for tax-free BAH/BAS and Tricare coverage. Includes an MBA payoff analysis if you're considering grad school.

KEY FEATURES Future dollars vs today's dollars — every projection shows what your money will actually buy at today's prices, so you can plan honestly for retirement. Range of possible outcomes — see the realistic spread of your TSP balance under market volatility, not just an idealized steady-growth number. Pay-table-accurate math — basic pay, BAH, BAS, special pays, promotion timelines, and pension multipliers all sourced from public DFAS, IRS, VA, and TSP data. Per-year customization — model contribution rates that change over your career, early separation, and lifecycle fund allocations. Built-in education — info tooltips on every fund, every benefit, and every concept. Learn what an index fund is, what counts as a VA dependent, how VA Math works, and more. Fully offline — no account, no tracking, no analytics. All calculations run on your device. Nothing is transmitted to any server. Works without internet.

WHO IT'S FOR Active-duty service members of any branch and rank, members of the Reserve or National Guard, veterans planning for retirement or transition, and military spouses helping their family plan finances.

NOT FINANCIAL ADVICE This app is for educational purposes only. It is not financial, tax, legal, or investment advice. The developer is not a licensed financial advisor. Projections are estimates based on assumptions you provide and historical data — actual results will vary. Always consult a qualified financial professional and verify current figures with official sources (DFAS, IRS, VA.gov, TSP.gov) before making major financial decisions.

NO GOVERNMENT AFFILIATION Military Millionaire is an independent app. It is NOT affiliated with, endorsed by, or sponsored by the U.S. Department of Defense, the U.S. Department of Veterans Affairs, the Thrift Savings Plan (TSP.gov), DFAS, the Internal Revenue Service, or any branch of the U.S. military. References to "TSP," "BRS," "VA," "BAH," "BAS," and other government programs are used educationally to refer to those programs as they exist in U.S. law.

CONTACT Feedback, bug reports, and feature requests: holdenholt1@gmail.com