Army BAH Calculator
US, 2026 tax year · figures follow that year's rules
Army bah calculator works out Monthly basic pay and Annual basic pay from Pay year, Pay grade and Cumulative years of service. The default figures on this page give monthly BAH of 2,100.00 USD/mo; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
7 steps
- 2026 pay tables (Executive Order 14368 of December 18, 2025, Schedule 8).
- Army pay comes from the same Schedule 8 table as every other service; the branch changes no amount here.
- E-5 at 6 years falls in the "over 4 years" column: $3946.80 a month.
- Annual basic pay = 12 x 3946.80 = $47361.60.
- BAH entered for your Military Housing Area = $2100.00 a month.
- Taxable $3946.80 + non-taxable $2100.00 = $6046.80 a month.
- Tax advantage = $25200.00 of untaxed allowances x 12.0% marginal rate = $3024.00; RMC = basic pay + BAH + BAS + tax advantage.
Pay chart for this gradetable
| band | yearsOfServiceFrom | monthlyBasicPay | annualBasicPay |
|---|---|---|---|
| 2 years or less | 0 | 3,342.9 | 40,114.8 |
| over 2 years | 2 | 3,598.2 | 43,178.4 |
| over 3 years | 3 | 3,775.8 | 45,309.6 |
| over 4 years | 4 | 3,946.8 | 47,361.6 |
| over 6 years | 6 | 4,110 | 49,320 |
| over 8 years | 8 | 4,299.9 | 51,598.8 |
| over 10 years | 10 | 4,395.3 | 52,743.6 |
| over 12 years | 12 | 4,421.7 | 53,060.4 |
| over 14 years | 14 | 4,421.7 | 53,060.4 |
| over 16 years | 16 | 4,421.7 | 53,060.4 |
| over 18 years | 18 | 4,421.7 | 53,060.4 |
| over 20 years | 20 | 4,421.7 | 53,060.4 |
| over 22 years | 22 | 4,421.7 | 53,060.4 |
| over 24 years | 24 | 4,421.7 | 53,060.4 |
| over 26 years | 26 | 4,421.7 | 53,060.4 |
| over 28 years | 28 | 4,421.7 | 53,060.4 |
| over 30 years | 30 | 4,421.7 | 53,060.4 |
| over 32 years | 32 | 4,421.7 | 53,060.4 |
| over 34 years | 34 | 4,421.7 | 53,060.4 |
| over 36 years | 36 | 4,421.7 | 53,060.4 |
| over 38 years | 38 | 4,421.7 | 53,060.4 |
| over 40 years | 40 | 4,421.7 | 53,060.4 |
Monthly breakdowntable
| item | monthly | taxable |
|---|---|---|
| Basic pay | 3,946.8 | Yes |
| BAH | 2,100 | No |
| BAS | 0 | No |
| Special and incentive pay | 0 | Yes |
| Other allowances | 0 | No |
Figures from US federal tax tables (IRS), 2026 rules and US military pay tables (DFAS), 2026 rules, checked 31 August 2026. Its 9 worked examples are re-run on every release, last on 15 September 2026. What changed · how reference data is kept current
Sources and references
16 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the army bah calculator calculates
Computes US military monthly and annual basic pay from the DFAS pay tables, adds BAH and BAS, prices reserve and National Guard drill pay, and derives Regular Military Compensation and the Post-9/11 GI Bill housing allowance.
How to use this army bah calculator
Enter Pay year, Pay grade, Cumulative years of service and E-1 with under 4 months of active duty. Monthly basic pay updates as you type. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Monthly basic pay, Annual basic pay and Pay table column used.
The method follows DFAS, 2026 Basic Pay: Enlisted, DFAS, 2026 Basic Pay: Officers, DFAS, 2026 Basic Pay: Officers with over 4 years active enlisted or warrant service (O-1E to O-3E), DFAS, 2026 Basic Pay: Warrant Officers and DFAS, 2025 Basic Pay tables (enlisted, officer, O-1E/O-2E/O-3E and warrant officer).
What you can compare
Change one input at a time to see how it affects Monthly basic pay, Annual basic pay and Pay table column used. The inputs you can vary are Pay year, Pay grade, Cumulative years of service, E-1 with under 4 months of active duty, Monthly BAH rate and Has dependents.
Understanding Monthly basic pay, Annual basic pay and Pay table column used
Planning figures only. Your Leave and Earnings Statement, your finance office and the DFAS pay tables in force on the day govern what you are actually paid.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
What information do I need for the army bah calculator?
You need Pay year, Pay grade, Cumulative years of service, E-1 with under 4 months of active duty, Monthly BAH rate, Has dependents and Federal filing status. The page opens with default figures that give monthly BAH of 2,100.00 USD/mo, so you can see the scale before entering your own.
What does this army bah calculator show?
It shows Monthly basic pay, Annual basic pay, Pay table column used, Monthly BAH, Annual BAH, Monthly BAS, Annual BAS and Monthly special pays, with the working and any warnings for your entries.
Can I check how the army bah calculator result was calculated?
Yes. The “How this is worked out” section shows the calculation steps, and the sources section identifies the references used for the method.