Military Millionaire
Financial Calcs for Troops
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Military Millionaire is an independent educational app that helps service members understand their pay, plan for retirement, and make smarter financial decisions throughout their career.
WHAT'S INSIDE
TSP Projection: Forecast your Thrift Savings Plan balance using real historical fund returns. Adjust contribution percentage, Roth/Traditional split, fund allocation, and projection length. See both future-dollar and today's-dollar amounts side by side.
Pay Calculator: See your true monthly take-home — basic pay, BAH, BAS, special pays, federal tax, state tax, SGLI, dental, and TSP contributions. Match your LES line-by-line.
Pension & VA Disability: Project your monthly retirement income from a military pension plus VA disability compensation. Model High-3, BRS (with or without lump sum), and REDUX. Includes lifetime totals in both today's dollars and future dollars.
VA Loan Calculator: Estimate the true monthly cost of buying a home with a VA loan — including funding fee, property tax, homeowner insurance, and cash to close.
Getting Out: Find the civilian gross salary you'd need to match your military take-home, accounting for tax-free BAH/BAS and Tricare coverage. Includes an MBA payoff analysis if you're considering grad school.
KEY FEATURES
Future dollars vs today's dollars — every projection shows what your money will actually buy at today's prices, so you can plan honestly for retirement.
Range of possible outcomes — see the realistic spread of your TSP balance under market volatility, not just an idealized steady-growth number.
Pay-table-accurate math — basic pay, BAH, BAS, special pays, promotion timelines, and pension multipliers all sourced from public DFAS, IRS, VA, and TSP data.
Per-year customization — model contribution rates that change over your career, early separation, and lifecycle fund allocations.
Built-in education — info tooltips on every fund, every benefit, and every concept. Learn what an index fund is, what counts as a VA dependent, how VA Math works, and more.
Fully offline — no account, no tracking, no analytics. All calculations run on your device. Nothing is transmitted to any server. Works without internet.
WHO IT'S FOR
Active-duty service members of any branch and rank, members of the Reserve or National Guard, veterans planning for retirement or transition, and military spouses helping their family plan finances.
NOT FINANCIAL ADVICE
This app is for educational purposes only. It is not financial, tax, legal, or investment advice. The developer is not a licensed financial advisor. Projections are estimates based on assumptions you provide and historical data — actual results will vary. Always consult a qualified financial professional and verify current figures with official sources (DFAS, IRS, VA.gov, TSP.gov) before making major financial decisions.
NO GOVERNMENT AFFILIATION
Military Millionaire is an independent app. It is NOT affiliated with, endorsed by, or sponsored by the U.S. Department of Defense, the U.S. Department of Veterans Affairs, the Thrift Savings Plan (TSP.gov), DFAS, the Internal Revenue Service, or any branch of the U.S. military. References to "TSP," "BRS," "VA," "BAH," "BAS," and other government programs are used educationally to refer to those programs as they exist in U.S. law.
CONTACT
Feedback, bug reports, and feature requests: holdenholt1@gmail.com
Ratings & Reviews
v1.1 — A major update: light mode, a new benefits guide, custom artwork, and far more accurate pay math.
NEW
- Light & Dark Mode — choose your look, or let the app follow your phone's system setting. Toggle anytime from the Home screen.
- Benefits & Perks Guide — a new reference covering spouse scholarships (SpouseWorks/MyCAA), license reimbursement, fee-waiver credit cards, ski passes, national parks, education funding, and more, with direct links to official sources.
- Goal Mode — set a retirement target and the app back-solves the TSP contribution percentage you'd need to reach it.
- OCONUS Support — overseas duty stations with OHA, COLA, and allowances, plus a searchable base picker.
IMPROVED
- Federal tax withholding now uses IRS Publication 15-T (2026) tables for much closer accuracy to your real LES.
- TSP per-paycheck deduction now matches DFAS behavior.
- Redesigned Home screen, custom artwork throughout, and a cleaner, emoji-free interface.
- BAH search now works by ZIP code.
FIXED
- Cursor jumping and number snap-back across all input fields.
- Cash-to-close formatting on the VA Loan screen.
- False "leaving match on the table" warnings.
The developer, Holden Holt, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Holden Holt
- Size
- 33.9 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Holden Holt