2026 Military Pay Chart: Base Pay by Rank and Years of Service

Complete 2026 military base pay tables effective January 1, 2026, for enlisted, warrant, and commissioned officer grades at every DFAS years-of-service step from 2 or less through over 40. These are basic-pay cells only. BAH depends on duty station, rank, and dependents.

The bottom line up front

The 2026 military base pay chart shows monthly basic pay for every grade and years-of-service step. The 2026 military basic pay adjustment was 3.8 percent, effective January 1, 2026. Enlisted pay ranges from $2,225.70 per month (E-1 with fewer than 4 months) to $10,729.20 (E-9 at 38 or more years). Warrant officer pay ranges from $4,056.60 (W-1 entry) to $13,308.30 (W-5 at 38 or more years). Officer pay ranges from $4,150.20 (O-1 entry) to $18,999.90 (O-9 and O-10, capped at Executive Schedule Level II). Use your pay grade and creditable years of service to find your exact cell, then confirm it on your LES.

2026 military base pay chart showing enlisted, warrant, and officer monthly pay ranges after the 3.8% raise
2026 military base pay chart overview with enlisted, warrant, and officer ranges.

How to read a 2026 military pay chart

  1. Find the pay grade on your LES, not the rank title. An Army sergeant and a Navy petty officer second class are both E-5.
  2. Use creditable years of service for pay, not time in your current grade. A promotion does not reset the longevity column.
  3. Read across to the DFAS step. "2 or less" covers up to 2 years. "Over 4" starts the day after 4 years and runs until you pass 6 years.
  4. A dash means that grade is not paid at that longevity point. E-8 starts at over 8 years, E-9 at over 10, and W-5 and O-9/O-10 at over 20.
  5. The cell is monthly basic pay before tax. It does not include BAH, BAS, or special pays. Compare it with the basic-pay line on your LES.

Source: DFAS basic pay tables effective January 1, 2026, from DoD Financial Management Regulation Volume 7A, Chapter 1. The 2026 basic-pay raise is 3.8%.

2026 military base pay at a glance

  • E-1 with fewer than 4 months of active duty: $2,225.70 per month.
  • E-1 with 4 or more months: $2,407.20 per month. E-1 does not rise with longevity.
  • E-5 at 2 or less: $3,342.90. E-5 over 12 years: $4,421.70.
  • E-9 over 38 years: $10,729.20. Service senior enlisted advisors are paid $11,166.90 while in that billet.
  • O-1 at 2 or less: $4,150.20. O-7 through O-10 are capped at $18,999.90 per month in 2026.
  • W-1 at 2 or less: $4,056.60. W-5 over 38 years: $13,308.30.
  • Academy cadets, midshipmen, and ROTC members/applicants: $1,452.90 per month.

O-1, O-2, and O-3 rates below do not apply to officers credited with more than 4 years of active service as an enlisted member or warrant officer. Those members use the separate DFAS O-1E, O-2E, and O-3E table.

2026 enlisted basic pay chart (E-1 to E-9)

2026 enlisted military pay chart E-1 to E-9 monthly basic pay at 2 or less, over 4, over 8, over 12, and over 20 years
2026 enlisted military pay chart E-1 to E-9 monthly basic pay at 2 or less, over 4, over 8, over 12, and over 20 years
2026 enlisted monthly basic pay, 2 or less through over 18
GradeRank2 or lessOver 2Over 3Over 4Over 6Over 8Over 10Over 12Over 14Over 16Over 18
E-1 (<4 mo)Private (under 4 months)$2,225.70——————————
E-1Private$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20
E-2Private First Class$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90
E-3Lance Corporal / Seaman$2,836.80$3,015.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00
E-4Corporal / Specialist$3,142.20$3,303.00$3,482.40$3,658.50$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40
E-5Sergeant$3,342.90$3,598.20$3,775.80$3,946.80$4,110.00$4,299.90$4,395.30$4,421.70$4,421.70$4,421.70$4,421.70
E-6Staff Sergeant$3,401.10$3,743.10$3,908.10$4,068.90$4,235.70$4,612.80$4,759.50$5,043.30$5,130.30$5,193.60$5,267.70
E-7Sergeant First Class$3,932.10$4,291.50$4,456.20$4,673.10$4,843.80$5,135.70$5,300.40$5,591.70$5,835.00$6,000.90$6,177.30
E-8Master Sergeant—————$5,656.50$5,907.00$6,061.80$6,247.20$6,448.20$6,811.20
E-9Sergeant Major——————$6,910.20$7,067.40$7,263.60$7,496.10$7,730.70
2026 enlisted monthly basic pay, over 20 through over 40
GradeRankOver 20Over 22Over 24Over 26Over 28Over 30Over 32Over 34Over 36Over 38Over 40
E-1 (<4 mo)Private (under 4 months)———————————
E-1Private$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20$2,407.20
E-2Private First Class$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90$2,697.90
E-3Lance Corporal / Seaman$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00$3,198.00
E-4Corporal / Specialist$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40$3,815.40
E-5Sergeant$4,421.70$4,421.70$4,421.70$4,421.70$4,421.70$4,421.70$4,421.70$4,421.70$4,421.70$4,421.70$4,421.70
E-6Staff Sergeant$5,267.70$5,267.70$5,267.70$5,267.70$5,267.70$5,267.70$5,267.70$5,267.70$5,267.70$5,267.70$5,267.70
E-7Sergeant First Class$6,245.70$6,475.20$6,598.20$7,067.40$7,067.40$7,067.40$7,067.40$7,067.40$7,067.40$7,067.40$7,067.40
E-8Master Sergeant$6,995.40$7,308.30$7,481.70$7,908.90$7,908.90$8,067.30$8,067.30$8,067.30$8,067.30$8,067.30$8,067.30
E-9Sergeant Major$8,105.10$8,423.10$8,756.70$9,267.90$9,267.90$9,730.20$9,730.20$10,217.40$10,217.40$10,729.20$10,729.20

2026 warrant officer basic pay chart (W-1 to W-5)

2026 warrant officer pay chart W-1 to W-5 monthly basic pay at key years of service
2026 warrant officer pay chart W-1 to W-5 monthly basic pay at key years of service
2026 warrant officer monthly basic pay, 2 or less through over 18
GradeRank2 or lessOver 2Over 3Over 4Over 6Over 8Over 10Over 12Over 14Over 16Over 18
W-1Warrant Officer 1$4,056.60$4,493.70$4,611.00$4,859.10$5,152.20$5,584.20$5,786.10$6,069.30$6,346.50$6,564.90$6,766.20
W-2Chief Warrant Officer 2$4,621.80$5,058.90$5,193.30$5,286.00$5,585.40$6,051.00$6,282.60$6,509.40$6,787.50$7,005.00$7,201.50
W-3Chief Warrant Officer 3$5,223.30$5,440.50$5,664.30$5,736.90$5,970.90$6,431.10$6,910.50$7,136.40$7,397.70$7,665.90$8,150.40
W-4Chief Warrant Officer 4$5,719.80$6,152.10$6,328.50$6,502.20$6,801.90$7,098.00$7,398.00$7,848.30$8,243.70$8,619.90$8,928.60
W-5Chief Warrant Officer 5———————————
2026 warrant officer monthly basic pay, over 20 through over 40
GradeRankOver 20Over 22Over 24Over 26Over 28Over 30Over 32Over 34Over 36Over 38Over 40
W-1Warrant Officer 1$7,010.10$7,010.10$7,010.10$7,010.10$7,010.10$7,010.10$7,010.10$7,010.10$7,010.10$7,010.10$7,010.10
W-2Chief Warrant Officer 2$7,437.00$7,591.50$7,714.20$7,714.20$7,714.20$7,714.20$7,714.20$7,714.20$7,714.20$7,714.20$7,714.20
W-3Chief Warrant Officer 3$8,476.50$8,671.80$8,879.70$9,162.60$9,162.60$9,162.60$9,162.60$9,162.60$9,162.60$9,162.60$9,162.60
W-4Chief Warrant Officer 4$9,228.90$9,669.60$10,032.00$10,445.40$10,445.40$10,653.60$10,653.60$10,653.60$10,653.60$10,653.60$10,653.60
W-5Chief Warrant Officer 5$10,169.70$10,685.70$11,070.30$11,495.10$11,495.10$12,070.80$12,070.80$12,673.50$12,673.50$13,308.30$13,308.30

2026 commissioned officer basic pay chart (O-1 to O-10)

2026 officer military pay chart O-1 to O-10 monthly basic pay at key years of service with Executive Schedule cap
2026 officer military pay chart O-1 to O-10 monthly basic pay at key years of service with Executive Schedule cap
2026 officer monthly basic pay, 2 or less through over 18
GradeRank2 or lessOver 2Over 3Over 4Over 6Over 8Over 10Over 12Over 14Over 16Over 18
O-12nd Lieutenant / Ensign$4,150.20$4,320.00$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40
O-21st Lieutenant / LTJG$4,782.00$5,446.20$6,272.40$6,484.50$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70
O-3Captain / Lieutenant$5,534.10$6,273.90$6,770.40$7,382.70$7,737.00$8,125.50$8,375.70$8,788.20$9,004.20$9,004.20$9,004.20
O-4Major / LCDR$6,294.60$7,286.40$7,773.60$7,881.00$8,332.20$8,816.40$9,420.00$9,888.30$10,214.40$10,401.60$10,509.90
O-5Lt Colonel / Commander$7,295.40$8,218.20$8,787.00$8,894.10$9,249.60$9,461.40$9,928.50$10,271.70$10,715.10$11,391.30$11,713.80
O-6Colonel / Captain$8,751.30$9,613.80$10,245.00$10,245.00$10,284.30$10,725.00$10,783.50$10,783.50$11,396.40$12,479.70$13,115.40
O-7Brigadier General$11,540.10$12,076.20$12,324.30$12,522.00$12,878.70$13,231.80$13,639.20$14,045.70$14,454.30$15,735.30$16,817.70
O-8Major General$13,888.50$14,343.90$14,645.40$14,729.40$15,106.50$15,735.30$15,882.00$16,479.60$16,651.80$17,166.60$17,911.80
O-9Lieutenant General———————————
O-10General / Admiral———————————
2026 officer monthly basic pay, over 20 through over 40
GradeRankOver 20Over 22Over 24Over 26Over 28Over 30Over 32Over 34Over 36Over 38Over 40
O-12nd Lieutenant / Ensign$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40$5,222.40
O-21st Lieutenant / LTJG$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70$6,617.70
O-3Captain / Lieutenant$9,004.20$9,004.20$9,004.20$9,004.20$9,004.20$9,004.20$9,004.20$9,004.20$9,004.20$9,004.20$9,004.20
O-4Major / LCDR$10,509.90$10,509.90$10,509.90$10,509.90$10,509.90$10,509.90$10,509.90$10,509.90$10,509.90$10,509.90$10,509.90
O-5Lt Colonel / Commander$12,032.70$12,394.80$12,394.80$12,394.80$12,394.80$12,394.80$12,394.80$12,394.80$12,394.80$12,394.80$12,394.80
O-6Colonel / Captain$13,751.10$14,112.90$14,479.20$15,188.70$15,188.70$15,408.30$15,408.30$15,408.30$15,408.30$15,408.30$15,408.30
O-7Brigadier General$16,817.70$16,817.70$16,817.70$16,904.40$16,904.40$17,242.20$17,242.20$17,242.20$17,242.20$17,242.20$17,242.20
O-8Major General$18,598.20$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90
O-9Lieutenant General$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90
O-10General / Admiral$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90$18,999.90

Military pay grades and rank titles

Basic pay follows the grade, and the same grade has a different title in each service. Use this crosswalk when a chart says "sergeant" or "petty officer" and you need the pay grade.

Pay grade titles by service
GradeArmyMarine CorpsNavyAir ForceSpace ForceCoast Guard
E-1PrivatePrivateSeaman RecruitAirman BasicSpecialist 1Seaman Recruit
E-2PrivatePrivate First ClassSeaman ApprenticeAirmanSpecialist 2Seaman Apprentice
E-3Private First ClassLance CorporalSeamanAirman First ClassSpecialist 3Seaman
E-4Specialist / CorporalCorporalPetty Officer 3rd ClassSenior AirmanSpecialist 4Petty Officer 3rd Class
E-5SergeantSergeantPetty Officer 2nd ClassStaff SergeantSergeantPetty Officer 2nd Class
E-6Staff SergeantStaff SergeantPetty Officer 1st ClassTechnical SergeantTechnical SergeantPetty Officer 1st Class
E-7Sergeant First ClassGunnery SergeantChief Petty OfficerMaster SergeantMaster SergeantChief Petty Officer
E-8Master Sergeant / First SergeantMaster Sergeant / First SergeantSenior Chief Petty OfficerSenior Master SergeantSenior Master SergeantSenior Chief Petty Officer
E-9Sergeant MajorMaster Gunnery Sergeant / Sergeant MajorMaster Chief Petty OfficerChief Master SergeantChief Master SergeantMaster Chief Petty Officer
O-1Second LieutenantSecond LieutenantEnsignSecond LieutenantSecond LieutenantEnsign
O-3CaptainCaptainLieutenantCaptainCaptainLieutenant
O-5Lieutenant ColonelLieutenant ColonelCommanderLieutenant ColonelLieutenant ColonelCommander
O-6ColonelColonelCaptainColonelColonelCaptain

2026 BAS and what is not in the basic pay chart

BAS is a tax-free food allowance. For 2026 it is $476.95 per month for enlisted members and $328.48 per month for officers. The BAS adjustment follows food costs, so it is not the same 3.8% as basic pay.

BAH is also tax-free and is not one national number. It changes with the duty station, pay grade, and dependents. Use the BAH calculator before you estimate a house payment, and the military pay calculator to add allowances to basic pay.

Special and incentive pays, such as flight pay, sea pay, submarine pay, jump pay, and foreign-language pay, depend on the assignment. Confirm those amounts on your LES rather than treating a range as your rate.

2026 retirement pay planning chart

A High-3 pension is 2.5% of the average of your highest 36 months of basic pay for each year of service. At 20 years that multiplier is 50%, at 24 years 60%, at 26 years 65%, and at 30 years 75%. The Blended Retirement System uses 2.0% per year, which is 80% of the High-3 amount.

The figures below multiply the single DFAS basic-pay cell in effect just before that year point by the High-3 percentage. They are not a 36-month average, so a real retired check is usually a bit lower. Already-retired pay is adjusted by COLA, not by the 3.8% basic-pay raise.

High-3 style planning estimate from the 2026 basic pay cell
Grade20 years (50%)24 years (60%)26 years (65%)30 years (75%)
E-5$2,210.85$2,653.02$2,874.11$3,316.28
E-6$2,633.85$3,160.62$3,424.00$3,950.78
E-7$3,088.65$3,885.12$4,288.83$5,300.55
E-8$3,405.60$4,384.98$4,863.10$5,931.68
E-9$3,865.35$5,053.86$5,691.86$6,950.93
W-2$3,600.75$4,554.90$5,014.23$5,785.65
W-3$4,075.20$5,203.08$5,771.81$6,871.95
W-4$4,464.30$5,801.76$6,520.80$7,834.05
W-5—$6,411.42$7,195.70$8,621.33
O-3$4,502.10$5,402.52$5,852.73$6,753.15
O-4$5,254.95$6,305.94$6,831.43$7,882.43
O-5$5,856.90$7,436.88$8,056.62$9,296.10
O-6$6,557.70$8,467.74$9,411.48$11,391.53

Model a personal figure with the military retirement calculator.

How basic pay and BAH affect a VA loan

  1. Lenders start with the basic-pay cell for your grade and creditable years of service.
  2. BAH is generally counted as income. A PCS can change that income even when basic pay stays the same.
  3. BAS is part of regular compensation. For these 2026 rates, that is $476.95 enlisted or $328.48 officer.
  4. Ongoing special pays that appear on the LES can count. One-time or temporary pays may not.
  5. Take that income picture to the VA mortgage calculator before you request a pre-qualification review.

Military pay chart questions

What is the 2026 military pay increase?

Basic pay increased 3.8% on January 1, 2026. The charts on this page use the DFAS monthly rates for that raise. The default raise follows the Employment Cost Index under the defense budget process. BAS uses a separate food-cost adjustment and did not rise by 3.8%.

When did the 2026 pay raise take effect?

The 3.8 percent basic pay raise took effect January 1, 2026. Your first LES reflecting the new rates typically posts in mid-January via myPay.

What is E-1 pay in 2026?

An E-1 with 4 or more months of active duty earns $2,407.20 per month in basic pay. An E-1 with fewer than 4 months earns $2,225.70. E-1 basic pay does not increase with years of service.

How much does an E-5 make in 2026?

An E-5 receives $3,342.90 per month at the initial pay step, $4,110.00 at over 6 years, $4,395.30 at over 10 years, and $4,421.70 at over 12 years. These are gross basic pay figures before allowances, taxes, and deductions.

What is the highest enlisted basic pay in 2026?

E-9 basic pay at over 38 years of service is $10,729.20 per month. A service senior enlisted advisor, such as the Sergeant Major of the Army or Master Chief Petty Officer of the Navy, is paid $11,166.90 per month while serving in that billet.

What is the maximum military pay in 2026?

The highest basic pay cell is $18,999.90 per month for O-9 and O-10, capped at Executive Schedule Level II. The highest enlisted cell is $10,729.20 per month for E-9 at 38 or more years of service. The highest warrant officer cell is $13,308.30 for W-5 at over 38 years.

Do warrant officers have their own pay table?

Yes. Warrant officers (W-1 through W-5) have a separate section of the basic pay table. W-5 pay cells begin at over 20 years of service because the grade requires significant seniority.

Why are some cells blank in the pay chart?

Blank cells (shown as dashes) mean that combination of grade and years of service is not authorized. For example, you cannot be an E-9 with less than 10 years of service, so those cells are blank. E-8 starts at over 8 years, and O-9/O-10 start at over 20 years.

Do these military pay charts include BAH and BAS?

No. The main tables are basic pay only. 2026 BAS is $476.95 per month for enlisted members and $328.48 for officers. BAH changes with duty station, pay grade, and whether you have dependents.

Can I use the pay chart for VA loan qualification?

Lenders verify your income from your LES, not from a pay chart. The chart helps you confirm what basic pay should be for your grade and years of service. For VA loan qualification, lenders count basic pay plus allowances and can gross up non-taxable income such as BAH and BAS by 25 percent when calculating qualifying income.

How often are military pay rates updated?

Basic pay rates are updated annually on January 1. The percentage is tied to the Employment Cost Index and is set through the defense budget process. Confirm the current table with DFAS before you rely on a figure for pay or a loan application.

What is included in total military compensation?

Total monthly compensation is basic pay plus Basic Allowance for Housing (BAH), Basic Allowance for Subsistence (BAS), and any special pays you actually receive. BAH and BAS are tax-free and can add a large share of take-home pay on top of basic pay.

How does BAH affect VA loan qualification?

Lenders generally count BAH as income for VA loan qualification. Because BAH is tied to your duty station, rank, and dependents, a PCS can change the income used to qualify even when basic pay stays the same.

Are special pays counted for VA loans?

Many ongoing special pays, such as flight pay, sea pay, and hazardous duty pay, can be included when a lender calculates income. Temporary or one-time pays may not. Your Leave and Earnings Statement is the document that shows which pays you receive.

What happens to military pay when I PCS?

Basic pay stays tied to rank and years of service. BAH changes with the new duty station. Compare locations with the BAH calculator before you estimate a house payment at the next assignment.

Why You Can Trust This Guidance

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Educational content is reviewed for clarity and lending context; personalized eligibility requires borrower-specific review.

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Last reviewed: October 2026

Helpful Sources and Related Guides

Related 2026 Military Pay Chart: Base Pay by Rank and Years of Service pages

These links stay on the same topic. Sitewide calculators and guides are listed below.

2026 Military Pay Chart & Base Pay Tables by Rank | National VA Loans