O-4 pay 2026
Updated Updated for 2026 tax law
O-4 (Major · Lieutenant Commander) earns $6,294.60 a month in 2026 basic pay at entry and up to $10,509.90 with 40+ years of service, after the 3.8% January 2026 raise.
| Years of service | Monthly | Annual | Hourly equiv.* |
|---|---|---|---|
| Under 2 | $6,294.60 | $75,535 | $36.32 |
| Over 2 | $7,286.40 | $87,437 | $42.04 |
| Over 3 | $7,773.60 | $93,283 | $44.85 |
| Over 4 | $7,881.00 | $94,572 | $45.47 |
| Over 6 | $8,332.20 | $99,986 | $48.07 |
| Over 8 | $8,816.40 | $105,797 | $50.86 |
| Over 10 | $9,420.00 | $113,040 | $54.35 |
| Over 12 | $9,888.30 | $118,660 | $57.05 |
| Over 14 | $10,214.40 | $122,573 | $58.93 |
| Over 16 | $10,401.60 | $124,819 | $60.01 |
| Over 18 | $10,509.90 | $126,119 | $60.63 |
* Basic pay ÷ 2,080 hours, for comparison with civilian jobs. Rows repeat values until the next longevity raise; unchanged columns are hidden.
- Basic pay
- $6,294.60
- BAS (officer, tax-free)
- $328.48
- Federal income tax (estimate)
- −$648.98
- Social Security + Medicare
- −$481.54
- Estimated monthly take-home
- $5,492.56
- Mid-month / end-of-month pay
- $2,746.28
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-5 · O-6 · O-7 · O-8 · O-9 · O-10
Frequently asked questions
How much does an O-4 make in 2026?
$6,294.60 a month in basic pay with under 2 years of service, up to $10,509.90 at 40+ years. Most members also get tax-free BAS ($328.48/month) and BAH that depends on location.
What rank is O-4?
Major · Lieutenant Commander.
How much is O-4 pay after taxes?
About $5,492.56 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.