O-10 pay 2026
Updated Updated for 2026 tax law
O-10 (General · Admiral) earns $18,999.90 a month in 2026 basic pay at entry and up to $18,999.90 with 40+ years of service, after the 3.8% January 2026 raise.
| Years of service | Monthly | Annual | Hourly equiv.* |
|---|---|---|---|
| Over 20 | $18,999.90 | $227,999 | $109.61 |
* Basic pay ÷ 2,080 hours, for comparison with civilian jobs. Rows repeat values until the next longevity raise; unchanged columns are hidden.
- Basic pay
- $18,999.90
- BAS (officer, tax-free)
- $328.48
- Federal income tax (estimate)
- −$3,688.63
- Social Security + Medicare
- −$1,249.75
- Estimated monthly take-home
- $14,390.00
- Mid-month / end-of-month pay
- $7,195.00
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-1 · O-2 · O-3 · O-4 · O-5 · O-6 · O-7 · O-8 · O-9
Frequently asked questions
How much does an O-10 make in 2026?
$18,999.90 a month in basic pay with over 20 years of service, up to $18,999.90 at 40+ years. Most members also get tax-free BAS ($328.48/month) and BAH that depends on location.
What rank is O-10?
General · Admiral.
How much is O-10 pay after taxes?
About $14,390.00 a month with BAS (single, no BAH, 20 years), before SGLI, TSP and state tax.
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Estimates for information only — not tax, legal or financial advice.