O-3 pay 2026
Updated Updated for 2026 tax law
O-3 (Captain (Army/USAF/USMC) · Lieutenant (Navy)) earns $5,534.10 a month in 2026 basic pay at entry and up to $9,004.20 with 40+ years of service, after the 3.8% January 2026 raise.
| Years of service | Monthly | Annual | Hourly equiv.* |
|---|---|---|---|
| Under 2 | $5,534.10 | $66,409 | $31.93 |
| Over 2 | $6,273.90 | $75,287 | $36.20 |
| Over 3 | $6,770.40 | $81,245 | $39.06 |
| Over 4 | $7,382.70 | $88,592 | $42.59 |
| Over 6 | $7,737.00 | $92,844 | $44.64 |
| Over 8 | $8,125.50 | $97,506 | $46.88 |
| Over 10 | $8,375.70 | $100,508 | $48.32 |
| Over 12 | $8,788.20 | $105,458 | $50.70 |
| Over 14 | $9,004.20 | $108,050 | $51.95 |
* Basic pay ÷ 2,080 hours, for comparison with civilian jobs. Rows repeat values until the next longevity raise; unchanged columns are hidden.
- Basic pay
- $5,534.10
- BAS (officer, tax-free)
- $328.48
- Federal income tax (estimate)
- −$482.43
- Social Security + Medicare
- −$423.36
- Estimated monthly take-home
- $4,956.80
- Mid-month / end-of-month pay
- $2,478.40
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-4 · O-5 · O-6 · O-7 · O-8 · O-9 · O-10
Frequently asked questions
How much does an O-3 make in 2026?
$5,534.10 a month in basic pay with under 2 years of service, up to $9,004.20 at 40+ years. Most members also get tax-free BAS ($328.48/month) and BAH that depends on location.
What rank is O-3?
Captain (Army/USAF/USMC) · Lieutenant (Navy).
How much is O-3 pay after taxes?
About $4,956.80 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.