# Military Reserve Retirement — Calculator for Reserve/Guard

> Calculates US military reserve retirement pay and SBP deductions. (iPhone/iPad app by Crash Test Dummy Limited, LLC.)

- Source: https://appshunter.io/ios/app/military-reserve-retirement/id700227486 (this page in markdown: same URL + `.md`)
- Developer: [Crash Test Dummy Limited, LLC](https://appshunter.io/developer/588227682)
- Category: Finance, Reference
- Price: $1.99
- Rating: 4.70/5 from 143 App Store ratings · 11 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 161 MB
- Languages: American English
- Released: 2013-09-14
- Data updated: 2026-08-25
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/military-reserve-retirement/id700227486/reviews.md

## What is Military Reserve Retirement?

Know exactly what your military reserve retirement is worth — before you get there.
  
Reserve Retirement Calc takes the guesswork out of your future retirement pay. Enter your pay grade, retirement points, and target retirement year, and get an instant, detailed breakdown of your monthly retirement pay and Survivor Benefit Program (SBP) premiums — shareable by email in seconds.

What it calculates:
- Monthly retirement pay under High-3 or Blended Retirement System (BRS)
- TSP balance projection for BRS members, including lump-sum election and reduced-pay scenarios
- Base SBP and RC-SBP premiums for spouse coverage, with Method 1 and Method 2 comparisons
- SBP breakeven analysis so you know when coverage pays off
  
Built for reserve and guard members:
- Whether you're an active driller, approaching the 20-year mark, or already in the gray area waiting for age 60, this app gives you the numbers that matter for your situation.

Not officially endorsed or sponsored by the U.S. Department of Defense.

## Key features

- Retirement pay calculation
- SBP deduction calculation
- Email results with details
- Supports High-3 retirement system
- Calculates base SBP and RC-SBP premiums

## Chart rankings

- #177 in Top Paid · Finance (US App Store)

## Recent user reviews (10 of 11)

All indexed reviews: https://appshunter.io/ios/app/military-reserve-retirement/id700227486/reviews.md

### 5/5 — Great Tool for Retirement Planning

*2025-08-28*

This is a must have for career reserve members to effectively and accurately plan their retirements. 5 stars all the way!!

### 5/5 — Awesome

*2024-06-05*

This app creator is a genius!

### 5/5 — Great Tool for Retirement Planning

*2024-05-15*

This is a must have for career reserve members to effectively and accurately plan their retirements. 5 stars all the way!

### 5/5 — Awesome!

*2024-02-29*

Great, user friendly tool.

### 5/5 — MN USAF EPLO

*2020-02-06*

Spot on app! Easy to use and user friendly.  Better than DFAS products. Thanks!  Makes me seriously consider retirement...

### 1/5 — Grey Area Retirees

*2019-04-14*

The app only takes into account active reserves.....would be perfect if it included Grey Area Retirees!!!

**Developer response:** DG,  it can be used for grey area reservists, but you are right in that the user interface is focused on reservists with remaining years.  For grey area sailors, just enter all your info (e.g. points earned) but ensure you input also that you will have no more good years (as you are retired).  I have helped a few users with this.  If you have any questions, just let me know.

### 5/5 — Great for determining retirement pay for Reservists

*2019-01-02*

Great tool for determine retirement pay for reservists. It’s very easy to use and very accurate.

### 5/5 — Awesome, easy, accurate.

*2017-07-03*

Probably the easiest way to get a rough estimate of your retirement pay. 

Ever since the army took down their website and calculator there's no easy way to do this. This app replaces the website perfectly!

### 5/5 — Easy Peasy, Retirement

*2017-04-24*

Much better than trying to dig for the same formulas yourself. Unless you're a nuke and don't believe sh/t stinks even when your nose is rubbed in it, this takes the burden out of retirement calcs.

### 5/5 — Missing variables

*2015-09-22*

This app is missing variables that help in accurately determining your retired pay.  Until it is updated you are better of running the numbers with a calculator.

## Frequently asked questions about Military Reserve Retirement

### What does the Military Reserve Retirement app do?

This app calculates your estimated monthly retirement pay and Survivor Benefits Program (SBP) deductions for US military reserve and guard service members. It provides a financial outlook based on your service details and retirement year.

### What are the key features of this retirement calculator?

The app calculates your first year of monthly retirement pay and determines your SBP premium. You can also email these calculated details. It specifically supports the High-3 retirement system and calculates base SBP and RC-SBP premiums.

### Is this app free to use?

Yes, the application is free to use. There are no in-app purchases or advertisements mentioned, indicating it is a completely free tool for users.

### What retirement systems does this app support?

This application currently supports the High-3 Retirement System, which applies to service members with an entry date on or after September 8, 1980. It explicitly states that it does NOT calculate Blended Retirement System (BRS) benefits.

### Who is the target audience for this app?

The primary target audience is currently drilling reserve and guard service members who are planning for retirement. Individuals in a 'gray area' of service may also find this calculator useful for estimating their future benefits.

## Version history (last 5 releases)

### 1.40 — 2026-08-15

Updated 2026 Survivor Benefit Plan premium calculations to reflect DoD's revised Method 2 threshold.

### 1.39 — 2026-08-02

Updated IRS TSP elective deferral limit to $24.5k

### 1.38 — 2026-07-05

Improved user interface when the user has larger text set in Accessibility settings

### 1.36 — 2026-05-30

Improved sharing of information calculated by the app.

### 1.35 — 2026-05-19

Added the ability to compare two pay scenarios.  Corrected TSP calculations. Added first-time user screen.

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All apps by Crash Test Dummy Limited, LLC: https://appshunter.io/developer/588227682

## Related topics

[military retirement calculator](https://appshunter.io/ios/topics/military-retirement-calculator)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*