The Navy pay calculator for 2026 reflects the 3.8% basic pay increase that took effect on January 1, 2026. All US military branches share the same DoD-wide basic pay table, so Navy pay rates match every other service at the same grade and years of service. Use this page to find your base pay, then add BAH, BAS, and any special pays you're entitled to.
How Navy pay works
Navy basic pay is set by grade (rank) and years of service. Promotions and longevity raise your monthly base pay. On top of base pay, Navy service members earn:
- Basic Allowance for Housing (BAH) — tax-free, based on ZIP code, rank, and dependency status.
- Basic Allowance for Subsistence (BAS) — flat tax-free food allowance ($316.98/mo enlisted, $499.55/mo officer in 2025 rates).
- Special and incentive pays — see below.
2026 enlisted monthly basic pay
| Grade | <2 yrs | 4 yrs | 8 yrs | 12 yrs | 16 yrs | 20+ yrs |
|---|---|---|---|---|---|---|
| E-1 | $2,407 | $2,407 | $2,407 | $2,407 | $2,407 | $2,407 |
| E-2 | $2,698 | $2,698 | $2,698 | $2,698 | $2,698 | $2,698 |
| E-3 | $2,837 | $3,198 | $3,198 | $3,198 | $3,198 | $3,198 |
| E-4 | $3,142 | $3,659 | $3,815 | $3,815 | $3,815 | $3,815 |
| E-5 | $3,343 | $3,947 | $4,281 | $4,422 | $4,422 | $4,422 |
| E-6 | $3,401 | $4,069 | $4,613 | $5,043 | $5,194 | $5,268 |
| E-7 | $3,932 | $4,673 | $5,136 | $5,592 | $6,001 | $6,246 |
| E-8 | — | — | $5,657 | $6,062 | $6,448 | $6,995 |
| E-9 | — | — | — | $7,067 | $7,496 | $8,105 |
2026 officer monthly basic pay
| Grade | <2 yrs | 4 yrs | 8 yrs | 12 yrs | 16 yrs | 20+ yrs |
|---|---|---|---|---|---|---|
| O-1 | $4,150 | $5,222 | $5,222 | $5,222 | $5,222 | $5,222 |
| O-2 | $4,782 | $6,485 | $6,618 | $6,618 | $6,618 | $6,618 |
| O-3 | $5,534 | $7,383 | $8,125 | $8,788 | $9,004 | $9,004 |
| O-4 | $6,295 | $7,881 | $8,816 | $9,888 | $10,402 | $10,510 |
| O-5 | $7,295 | $8,894 | $9,461 | $10,272 | $11,391 | $12,033 |
| O-6 | $8,751 | $10,245 | $10,725 | $10,783 | $12,480 | $13,751 |
Navy-specific special pays
Sailors can qualify for several pays layered on top of base pay, BAH, and BAS:
- Career Sea Pay — for time assigned to a ship or sea-duty unit.
- Submarine Duty Incentive Pay — for qualified submarine crew.
- Naval Aviator/Flight Pay — Aviation Incentive Pay for pilots and naval flight officers.
- Dive Pay — for qualified Navy divers.
- Nuclear career incentive pay — for nuclear-trained officers and enlisted.
Rates vary by rank, qualification, and duty status. See the special and incentive pay guide for current rates and eligibility.
Estimate your total Navy pay
To estimate total monthly Navy compensation, combine:
- Base pay from the 2026 chart above.
- BAH from the BAH calculator.
- BAS (flat amount).
- Special pays you receive (see above).
Use the military pay calculator for a complete monthly estimate combining all four.
Related guides
- Military pay hub
- All-branches basic pay tables
- BAH rates and rules
- Navy pay chart 2026
- Military retirement guide
The official 2026 pay tables are published by DFAS.