Military to Millionaire

Military to Millionaire is an active-duty money planner for the Thrift Savings Plan. Built for enlisted and officer — Army, Marine Corps, Navy, Air Force, Space Force, and Coast Guard — who want a straight answer: if I keep serving, and I keep investing, do I actually get to a million? Start with who you are. Branch. Enlisted or officer. MOS, rating, or AFSC. Pay grade from E-1 to E-9, or O-1 on up. Years in. The career timeline follows you — average pin-on years for your service and job, not a generic 20-year chart. Then the TSP. Percent of basic or a flat dollar amount. 5% as an E-1 is not the same dollars as 5% as an E-6, and 5% as an O-1 is different again. Promotions and the yearly pay raise are in the math, so what you put in grows as you move up. G, F, C, S, I, and every Lifecycle fund (L Income through L 2075) are on the mix. Slide C or S up and it comes out of G. Blended Retirement (BRS) or Legacy High-3 sits next to what you put in, because it changes the match. BRS adds the automatic 1% and up to 4% more when you put in 5%. High-3 does not. The Millionaire tab tells you how far off you are, then the number that matters: how much to start putting in now, as a percent of today’s paycheck, run through every grade left on your timeline — E-1 through E-6 and the rest of enlisted, or O-1 and up if you are an officer. Retirement and VA sit beside it. BRS or High-3 pension, VA compensation, SBP, TRICARE, VGLI, and state veteran tax breaks for the state you plan to land in. Your plan saves on the phone. Close the app, open it, you’re still you. Hand it to someone else? Hit Reset on the You tab and it goes back to defaults. Planning estimate only. Not official DFAS, TSP, or VA counseling.