Terminal Leave Calculator: Take It or Sell It Back

Estimate your total payout when taking terminal leave compared to selling your unused leave days back as a lump sum. Enter your monthly basic pay and leave days to compare the estimated continued pay from taking terminal leave against the estimated after-tax lump sum from selling it back.

Enter Your Information

$
From your LES — or use the military pay calculator first.
Your current leave balance, from your LES.
Take as Terminal Leave
—
continued basic pay, taxed as a normal paycheck
Sell Back (Lump Sum)
—
gross, before the 22% withholding
Sell Back, After 22% Withholding
—
estimated take-home lump sum

How the Terminal Leave Payout Is Calculated

To price each day of leave, the calculation converts your monthly basic pay using the Defense Finance and Accounting Service (DFAS) standard basic-pay-divided-by-30 daily rate. Taking terminal leave keeps you in normal active-duty status, continuing your basic pay, authorized Basic Allowance for Housing (BAH), and regular federal tax and Federal Insurance Contributions Act (FICA) withholdings.

Selling leave back pays a lump sum without FICA deductions, though DFAS applies the flat 22% supplemental rate set by the Internal Revenue Service (IRS) in IRS Publication 15. For career limits and carryover rules, see the full terminal leave guide.

Frequently Asked Questions

Is this calculation my exact terminal leave or sell-back payout?

This tool provides an estimate for planning purposes. It does not replace an official military pay calculation, because it cannot access the basic pay rate, BAH, tax bracket, or state tax withholdings on your Leave and Earnings Statement (LES). You should verify your official final payout amounts directly with your installation finance office.

How many days of leave can I sell back?

A service member can sell back a maximum of 60 days of leave over an entire military career. Standard military leave accrues at 2.5 days per month, or 30 days per year, with a normal fiscal year carryover cap of 60 days. Any unused leave days that exceed the 60-day career limit cannot be sold back for cash.

Related Resources

Disclaimer: This calculator provides planning estimates only and does not constitute individualized tax or financial advice. The calculations rely on general formulas and do not account for state income taxes, your specific BAH rate, or personal tax brackets. Consult your installation finance office or a qualified tax professional before deciding between taking terminal leave and selling leave back.

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