O-6 pay 2026
Updated Updated for 2026 tax law
O-6 (Colonel · Captain (Navy)) earns $8,751.30 a month in 2026 basic pay at entry and up to $15,408.30 with 40+ years of service, after the 3.8% January 2026 raise.
| Years of service | Monthly | Annual | Hourly equiv.* |
|---|---|---|---|
| Under 2 | $8,751.30 | $105,016 | $50.49 |
| Over 2 | $9,613.80 | $115,366 | $55.46 |
| Over 3 | $10,245.00 | $122,940 | $59.11 |
| Over 6 | $10,284.30 | $123,412 | $59.33 |
| Over 8 | $10,725.00 | $128,700 | $61.88 |
| Over 10 | $10,783.50 | $129,402 | $62.21 |
| Over 14 | $11,396.40 | $136,757 | $65.75 |
| Over 16 | $12,479.70 | $149,756 | $72.00 |
| Over 18 | $13,115.40 | $157,385 | $75.67 |
| Over 20 | $13,751.10 | $165,013 | $79.33 |
| Over 22 | $14,112.90 | $169,355 | $81.42 |
| Over 24 | $14,479.20 | $173,750 | $83.53 |
| Over 26 | $15,188.70 | $182,264 | $87.63 |
| Over 30 | $15,408.30 | $184,900 | $88.89 |
* Basic pay ÷ 2,080 hours, for comparison with civilian jobs. Rows repeat values until the next longevity raise; unchanged columns are hidden.
- Basic pay
- $8,751.30
- BAS (officer, tax-free)
- $328.48
- Federal income tax (estimate)
- −$1,189.45
- Social Security + Medicare
- −$669.47
- Estimated monthly take-home
- $7,220.85
- Mid-month / end-of-month pay
- $3,610.43
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-7 · O-8 · O-9 · O-10
Frequently asked questions
How much does an O-6 make in 2026?
$8,751.30 a month in basic pay with under 2 years of service, up to $15,408.30 at 40+ years. Most members also get tax-free BAS ($328.48/month) and BAH that depends on location.
What rank is O-6?
Colonel · Captain (Navy).
How much is O-6 pay after taxes?
About $7,220.85 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.