The Navy pay chart for 2026 reflects the 3.8% basic pay increase that took effect on January 1, 2026. US Navy Sailors progress through enlisted grades E-1 through E-9 (Master Chief Petty Officer of the Navy) and commissioned officer grades O-1 (Ensign) through O-10 (Admiral). All US military branches share the same DoD-wide pay tables, so Navy pay rates match the Army, Navy, Marine Corps, Space Force, and Coast Guard at the same grade and years of service.
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, 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 — hazardous duty, flight, sea, dive, and bonuses.
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 rank structure
- Enlisted (E): E-1 Seaman Recruit (SR) → E-2 Seaman Apprentice (SA) → E-3 Seaman (SN) → E-4 Petty Officer 3rd Class (PO3) → E-5 Petty Officer 2nd Class (PO2) → E-6 Petty Officer 1st Class (PO1) → E-7 Chief Petty Officer (CPO) → E-8 Senior Chief Petty Officer (SCPO) → E-9 Master Chief Petty Officer (MCPO).
- Warrant Officer (W): CW2 → CW3 → CW4 → CW5 (Navy reactivated warrant officer program for cyber and other specialties).
- Commissioned Officer (O): O-1 Ensign (ENS) → O-2 Lieutenant Junior Grade (LTJG) → O-3 Lieutenant (LT) → O-4 Lieutenant Commander (LCDR) → O-5 Commander (CDR) → O-6 Captain (CAPT) → O-7 Rear Admiral (Lower Half) → O-8 Rear Admiral → O-9 Vice Admiral → O-10 Admiral.
Navy sea pay is paid on top of basic pay for sea-duty assignments.
Navy pay components
- Base pay — taxable.
- BAH — tax-free, varies by ZIP. Use the BAH calculator.
- BAS — tax-free flat rate.
- Special pays — varies by duty.
Navy pay calculator
Estimate your total monthly pay with the military pay calculator. It combines base pay, BAH, BAS, and applicable special pays.
Related guides
The official 2026 pay tables are published by DFAS.