ARNG Information Guide on Non-Regular Retirement - arng army 2025

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Non-regular Retired pay under the Reserve system is computed by totaling all points earned during a soldiers career, dividing by 360 (one year) and then multiplying by 2.5% to determine the benefit multiplier.
Generally, a member retiring with a Reserve (non-regular) retirement must have 20 years of service for entitlement and they will receive a letter from their Service advising when this criteria has been met. The second category we shall call- Years of Service for Pay Base.
What is the retirement pay for an E7 with 20 years? As of 2022, the pay calculation projection for an E7 retiring with exactly 20 years of service would receive $27,827 per year. Its important to note the present value of almost $800,000 for a 40-year-old receiving this pension indefinitely.
For example, if youre an O5 with 20 years of service: Average Basic Pay: $10,000 per month. Calculation: 20 x 2.5% = 50% of $10,000. Monthly pension: $5,000.
Basic Pay Enlisted Effective April 1, 2025 Cumulative Years of Service (Note 1) Pay GradeOver 12Over 20 E-7 5,387.10 6,017.10 E-6 4,858.80 5,074.80 E-5 4,259.70 4,259.706 more rows
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The last 12 months of your RAS are available on myPay (). If you cannot access myPay and you need a hard copy RAS mailed to you, you can call the Retired and Annuitant Pay Customer Care center at 800-321-1080.
For example, retiring with 20 years of service means your retirement pension will be 50% of the highest 36-month pay average. Waiting to leave after 40 years will make your pension 100% of your monthly pay average.

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