Blended Retirement System Calculator

The BRS combines a reduced pension (2.0% vs 2.5% per year) with government TSP matching and Continuation Pay. This tool compares BRS vs Legacy High-3 side by side so you can see which system benefits you more over a full career.

Your Career Details

Years of Service at Retirement

Average High-3 Monthly Base Pay ($)

Your Monthly TSP Contribution (%)

Expected TSP Annual Return (%)

Continuation Pay Multiplier (2–13×)

Service Branch

Legacy High-3

Monthly Pension

Annual Pension

Multiplier

TSP Match

Blended (BRS)

Monthly Pension

Annual Pension

Multiplier

Lifetime TSP Match

BRS was introduced in 2018 for members who joined on or after January 1, 2018, or opted in during 2018–2019. The key tradeoff: lower pension multiplier (2.0%) but government matches TSP contributions up to 5% of base pay starting at month 25 of service. Members who don't reach 20 years still walk away with TSP savings under BRS.