Serve Your Country — And Your Family's Financial Future
Military pay is complex (base pay + BAH + BAS + special pay). This budget breaks it all down so you can maximize every benefit.
Recommended Budget Split for Military Families
Needs
Wants
Savings
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Key Expenses to Track
Common Financial Challenges for Military Families
Complex pay structure with multiple allowances
Frequent PCS moves disrupting financial stability
Spouse employment challenges at new duty stations
Deployment spending temptations (combat zone tax exclusion)
Budget Tips for Military Families
Budget BAH and BAS separately
Treat housing allowance (BAH) as your housing budget ceiling — not a supplement to base pay. If you can live under BAH, the savings are tax-free.
Max your TSP match
The military matches up to 5% of base pay in TSP. That's free money. At E-5 pay, that's $2,400+/year in free retirement contributions.
Build a PCS fund
Even with DITY/PPM reimbursements, moves cost money. Save $100/month into a PCS fund so the next set of orders doesn't wreck your budget.
Use deployment to build wealth
During deployment, expenses drop dramatically. Use combat zone tax exclusion + reduced expenses to max TSP ($23,000/year) and build your emergency fund.
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