Planning estimates only — not tax, legal, or financial advice.
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2026 figures sourced from DFAS, IRS Rev. Proc. 2025-32, IRS Notice 2025-67, SSA, and VA.gov.
BAH is zip-specific — paste it from the DFAS BAH calculator per order. Federal taxes run on
the calendar year; the October fiscal year only affects NDAA early-retirement day counting.