Blended Retirement System (BRS) Overview

Last reviewed January 15, 2025

BRS combines a reduced defined-benefit pension (2.0% per year of service) with automatic and matching government TSP contributions, plus a mid-career Continuation Pay bonus.

The Blended Retirement System applies automatically to anyone who entered military service on or after January 1, 2018, and was optional for many who were already serving. BRS blends three components: a defined-benefit annuity calculated at 2.0% per year of service (versus 2.5% under legacy systems) for those who serve 20+ years; government automatic (1%) and matching (up to an additional 4%) contributions to the member's Thrift Savings Plan, which vest and belong to the member even if they separate before 20 years; and a one-time Continuation Pay bonus typically paid between 8 and 12 years of service in exchange for an additional service commitment. Because TSP contributions accrue and vest regardless of whether a member reaches 20 years, BRS is generally more favorable than legacy systems for members who separate before retirement eligibility.

General educational information only — not financial, legal, tax, medical, or individualized benefits advice. Confirm current details with DFAS, the VA, TRICARE, or your service's official retirement office before making decisions.

Official sources

Blended Retirement System — Office of the Under Secretary of Defense (Comptroller)
TSP — Uniformed Services — Federal Retirement Thrift Investment Board

Benefits information is educational only and does not replace official guidance from your service, DFAS, VA, or TRICARE. Checklists are planning aids and do not replace official service requirements. This platform does not provide tax, investment, legal, medical, or individualized claims advice, and does not predict disability ratings or VA outcomes.