🛡️ National Guard & Reserve Pay Calculator 2026

Drill pay, annual training, Tricare, and total annual compensation

Home › Guard/Reserve Pay
TRS is available to Selected Reserve members not on active duty and not eligible for FEHB.
Your monthly payroll deduction — not the full premium your employer quotes. Leave blank to use the national average. Enter 0 if you have no civilian coverage.
Spreads the bonus across its service obligation. Many bonuses pay 50% up front and the rest in anniversary installments.
Spread over obligation years. Enter total amount.

Estimated Annual Guard/Reserve Compensation

$0

Per Drill Weekend
$0
Annual Drill Pay
$0
Annual Training Pay
$0
Tricare vs Civilian
$0
Pay Breakdown
Base pay (daily rate = monthly / 30)$0
Drill weekend (4 periods × daily rate)$0
Annual drill (48 periods)$0
Annual training (15 days × daily rate)$0
BAS during annual training (15 days)$0
Bonus (annual portion, 4-yr obligation)$0
Total Annual Pay$0
Tricare Reserve Select premium (annual)$0
Your civilian coverage (annual)$0
Annual difference$0
ℹ️ Note: Drill pay calculated as 1/30th of monthly base pay per drill period (4 periods per standard weekend). Annual training pays the full daily rate. Tricare savings estimated as difference between TRS premiums and average employer health insurance cost (~$1,500/mo family). Guard members may also receive state benefits not shown here.

Frequently Asked Questions

How much does the National Guard pay per drill weekend?

One drill weekend = 4 drill periods. Each drill period pays 1/30th of your monthly base pay. For an E-5 with 4 years, that's approximately $131 per period or $526 per drill weekend.

Do Guard/Reserve members get BAH?

Never for drill weekends — Inactive Duty Training carries no housing allowance at all. On active duty orders you get a housing allowance, but which type depends on order length. Orders of more than 30 days (31+) draw locality BAH based on your primary residence ZIP. Orders of 30 days or fewer draw BAH Reserve Component/Transit (BAH RC/T), a flat national rate that does not vary by location — so a 14-day Annual Training normally pays RC/T, not zero. The exception: a short order issued in support of a contingency operation draws the full locality rate (37 U.S.C. § 403(g)(4)(B)). If you are assigned adequate government quarters, no housing allowance is payable, though a member without dependents receives Partial BAH. Compare drill, AT and ADOS side by side →

What is Tricare Reserve Select?

TRS is health insurance available to all Selected Reserve members. Family coverage costs $286.66/month (2026) — compared to $1,500-$2,000+/month for comparable civilian employer family coverage. This makes TRS one of the most valuable Guard/Reserve benefits, saving $14,000-$20,000+/year in health insurance costs.

→ Reserve Retirement Calculator - Wondering what these drill years become at 60? Convert your career retirement points into a monthly pension estimate.
→ TRICARE Cost Calculator - This tool estimates your TRICARE Reserve Select savings. Compare TRS against Prime and Select on verified 2026 rates before you enroll.

📋 Verify Guard/Reserve Pay

All data on this page comes from official government sources. Verify independently:

📎 2026 Drill Pay Tables (DFAS)📎 Reserve Component Pay (Military Compensation)📎 Tricare Reserve Select

📍 This is an estimate. For official entitlements, talk to your installation's free financial resources:

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