O-1 pay 2026
Updated Updated for 2026 tax law
O-1 (Second Lieutenant · Ensign) earns $4,150.20 a month in 2026 basic pay at entry and up to $5,222.40 with 40+ years of service, after the 3.8% January 2026 raise.
| Years of service | Monthly | Annual | Hourly equiv.* |
|---|---|---|---|
| Under 2 | $4,150.20 | $49,802 | $23.94 |
| Over 2 | $4,320.00 | $51,840 | $24.92 |
| Over 3 | $5,222.40 | $62,669 | $30.13 |
* Basic pay ÷ 2,080 hours, for comparison with civilian jobs. Rows repeat values until the next longevity raise; unchanged columns are hidden.
- Basic pay
- $4,150.20
- BAS (officer, tax-free)
- $328.48
- Federal income tax (estimate)
- −$316.36
- Social Security + Medicare
- −$317.49
- Estimated monthly take-home
- $3,844.83
- Mid-month / end-of-month pay
- $1,922.42
2026 basic pay (+3.8% from 2025, DFAS). State tax not included — many states exempt active-duty pay. Excludes SGLI, TSP and special pays.
Other pay grades
E-1 · E-2 · E-3 · E-4 · E-5 · E-6 · E-7 · E-8 · E-9 · W-1 · W-2 · W-3 · W-4 · W-5 · O-2 · O-3 · O-4 · O-5 · O-6 · O-7 · O-8 · O-9 · O-10
Frequently asked questions
How much does an O-1 make in 2026?
$4,150.20 a month in basic pay with under 2 years of service, up to $5,222.40 at 40+ years. Most members also get tax-free BAS ($328.48/month) and BAH that depends on location.
What rank is O-1?
Second Lieutenant · Ensign.
How much is O-1 pay after taxes?
About $3,844.83 a month with BAS (single, no BAH, under 2 years), before SGLI, TSP and state tax.
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Estimates for information only — not tax, legal or financial advice.