Built by veterans at VetraFi

Free tools to make sense of your military pay.

Your LES, your BAH, your next duty station, your transition out — dense codes and big decisions nobody sat you down and explained. These free tools help you read the numbers in plain English and spot what matters.

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The tools

Plain-English tools, no jargon.

Each one is built to answer a question the military never explained for you.

Military Salary Translator

Military pay looks low on paper — until you count tax-free housing and food, $0-premium healthcare, and special pays like jump, dive, flight, and language pay. Pick a rank and duty station and see the civilian salary your pay is really worth, with every line of the math shown.

For: anyone weighing a civilian offer against their military paycheck.
See what you're worth

Retirement Calculator

Your full military retirement package, priced: pension under every system (High-3, BRS, Final Pay, REDUX), Guard and Reserve points, CRDP vs. CRSC take-home with the complete 2026 SMC schedule, SBP costs, state tax treatment, and lifetime value to age 85.

For: anyone within sight of 20 years, planning a Guard or Reserve retirement, or holding a VA rating that changes the math.
Price your retirement

Military State Tax Calculator

Your military pay is taxed by your State of Legal Residence, not where you're stationed. Enter your pay off your LES and see exactly how much you'd keep by legally electing your duty-station state or your spouse's. All 50 states, DC, and the territories, at 2026 rates.

For: anyone whose duty station and State of Legal Residence don't match.
See what you'd keep

Duty Station Comparison Tool

Compare two duty stations side by side — BAH by pay grade, cost of living vs. your housing allowance, state income tax, school quality, nearby colleges, and area demographics.

For: anyone with PCS orders in hand and a decision to make about where to live next.
Compare stations

HYSA Calculator

The average U.S. savings account pays 0.38% APY. High-yield savings accounts pay around 3.00% — about 8× more. Enter a one-time and monthly deposit and see the gap at the 1, 3, 5, 10, 15, and 20-year marks, with a 50/30/20 prefill from your actual military pay.

For: anyone letting savings sit in a big-bank account earning almost nothing.
See what you'd earn

LES Unravel

Upload your Leave & Earnings Statement and get a plain-English breakdown of every line. Drop one month, or several at once, and a chat can compare months, forecast your year, and surface where you might be leaving money on the table.

For: anyone who has ever stared at their LES and wondered what half the codes mean.
Open LES Unravel

Recruiter Carousels

Ready-to-post Instagram carousels for military recruiters — why-join pitches, job spotlights for any MOS, rate, or AFSC, and pay-&-benefits decks. Plug in your name and station and download finished slides with your contact info and a scannable QR code on every deck. No Canva, no design work.

For: recruiters in any branch who need social media content without the design work.
Make my carousels

Veteran Mentorship

Connect with someone who has walked the road you're on — career, transition, and money. A mentor match designed for service members thinking about separation, a career pivot, or just getting their financial footing.

For: anyone weighing a transition or separation and wanting a guide who gets it.
Join the community
Coming soon

More tools on the way

New calculators and guides are in the works. Join the email list below and you'll hear the moment they land.

FAQ

Common military pay questions

Your Leave & Earnings Statement packs entitlements, deductions, allotments, and your leave balance into dense codes. LES Unravel reads a PDF you upload and explains each line — what it is, why it's there, and what affects it — without the jargon.
FITW is your federal income tax withholding, SGLI is your servicemembers' group life insurance premium, and BAS is your food allowance. Plain-English pages for each code are on the way — in the meantime, see them on your own LES.
Your Basic Allowance for Housing — and your real cost of living — can shift a lot from one duty station to the next, driven by ZIP, pay grade, and dependents. Our Duty Station Comparison Tool puts two locations side by side so you can see what your pay actually covers in each — BAH, rent, taxes, schools, and more.
Nine states have no income tax at all, and more than a dozen others fully exempt active-duty pay. Since 2022, federal law lets many servicemembers legally elect their duty-station state as their State of Legal Residence. Our Military State Tax Calculator shows every state's rules and computes exactly what switching would save you per year.
Leaving the service is as much a financial transition as a career one — pay, benefits, and budgeting all change at once. Our veteran mentorship community is designed to connect you with someone who has navigated it before.
VetraFi's free Recruiter Carousels tool generates ready-to-post Instagram carousels for recruiters in all six branches — why-join pitches, job spotlights for any MOS, rate, or AFSC, and pay-&-benefits decks, personalized with the recruiter's name, station, and a QR code that saves their contact card to a recruit's phone.

Make your money work harder in uniform.

VetraFi is building a banking platform made for the military community, launching soon. Drop your email to hear when the platform goes live, get new tools as they launch, and pick up practical money tips built for military life.