BRS Comparison Calculator

Plan for retirement by viewing personalized retirement reports, performing "what-if" exercises to see how your benefits might change, and reviewing related fact sheets.

BRS opt-in Eligibility

The opt-in period for Blended Retirement System (BRS) ended effective December 31, 2018 for most military members. There are some exceptions for the following members:

If you are a cadet attending service academy who joined on or before December 31, 2017, or are in the Reserve Officer Training Program with a signed contract on or before December 31, 2017, you’re also grandfathered under the legacy retirement system. However, if commissioning (or being placed on pay status) occurs after the 2018 opt in window, you will have 30 days upon commissioning to opt into the BRS. If you enter an academy or sign your service contract on or after January 1, 2018 your retirement plan is automatically under BRS.

Break in service - If you have break in service, rejoined after the 2018 calendar year opt-in window and still meets the less than 12 years of service criteria or have fewer than 4,320 retirement points, you will have 30 days to choose the BRS or remain in the legacy retirement system.

Individual Ready or Standby Reserve. If you are a BRS-eligible member of the Individual Ready Reserve (IRR) or the Standby Reserve who entered paid status for the first time after 2018, you may receive a one-time BRS opt-in extension. Once in paid status, you have 30 days to opt into the BRS.

Soliders believing they should be considered for a “hardship extension of the enrollment period”, in accordance with Reference OSD Memorandum "Implementation of the Blended Retirement System", dated 27 January 2017, should contact the Army G-1, (DAPE-PRC) at (703) 692-7954 or dalton.r.alleyne.civ@mail.mil for guidance.

For more information see; BRS guide or please see your personnel or finance office for further information.

BRS comparison Instructions: In the following screens, select High 3 Legacy retirement, next at the bottom of the results select go back to my information and choose Blended Retirement System from the drop down to compare the two retirement programs. In the Blended Retirement System calculator, you may select continue to view TSP savings component.

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TSP
The Thrift Savings Plan (TSP) is a Federal Government-sponsored retirement savings and investment plan. It offers the same type of savings and tax benefits that many private corporations offer their employees under "401(k)" plans.Blended Retirement System (BRS) Members of the Uniformed ServicesIf you are a member of the uniformed services who began serving on or after January 1, 2018, your service automatically enrolled you in the TSP (or will) once you had served 60 days and 3% of your basic pay is deducted from your paycheck each pay period and deposited in the traditional balance of your TSP account, unless you have made an election to change or stop your contributions. You can make an election by following the instructions in Starting, Changing, and Stopping Your Contributions.Non-BRS Members of the Uniformed ServicesIf you are a member of the uniformed services who is not covered by the Blended Retirement System (BRS), your account is established by your service after you make a contribution election using your service's automated system, if it has one. For example, most members of the uniformed services use myPay. If your service does not use an electronic system, you can complete Form TSP-U-1, Election Form and return it to your service.Reentering Members of the Uniformed ServicesIf you were already in the BRS plan before you left the service—whether as a new member of the uniformed services or an opt-in—you will be automatically reenrolled when you reenter. If you were not in BRS but had fewer than 12 years of service when you left, your service may give you the opportunity to opt in when you reenter. In either case, assuming you had served 60 days before leaving, your enrollment will begin with the first pay period after reentering. If neither situation applies to you, you can still start a TSP account or resume contributing to your existing account as a non-BRS member. Follow the instructions in Starting, Changing, and Stopping Your Contributions.
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