Calculator

Military Tax-Free Income Gross-Up Calculator

Turn nontaxable income into extra buying power.

Monthly nontaxable income

VA disability compensation

Any rating, tax-free.

BAH

Basic Allowance for Housing.

BAS

Basic Allowance for Subsistence.

Combat / hazardous duty pay

Military pension (tax-free state)

Only if you live in a state that exempts it.

Other nontaxable

SSDI, nontaxable child support, etc.

Taxable income (for comparison)

Taxable monthly income

W-2 base, self-employed net, etc. Not grossed up.

Gross-up factor

User-supplied assumption. The applicable percentage, if any, depends on the agency/investor guideline and your actual documented tax situation — not a default.

Borrowing power assumptions

Rate

Term (years)

Other monthly debts

Car, credit card minimums, student loans.

DTI assumption

41% is a VA underwriting guide—not an automatic maximum or approval. Higher ratios require additional analysis.

P&I share of PITI

Rough share of the housing payment that's principal & interest (rest is taxes, insurance, HOA).

Results

Enter your own assumed interest rate above to see estimated results.

We do not publish or preload rates. Any rate you enter is your own assumption, not a quoted or available rate.

Educational estimate only—not a Loan Estimate, credit decision, commitment to lend, or guarantee. Actual eligibility, rates, fees, payments, and terms may differ.

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