REDUX vs. High-3: What's the Difference?

Last reviewed January 15, 2025

REDUX offered a one-time Career Status Bonus at the 15-year mark in exchange for a reduced multiplier (2.0% per year instead of 2.5%) and slower cost-of-living adjustments, with pay recalculated to the High-3 rate at age 62.

REDUX was an optional legacy retirement election available to members who entered service before 2018 and elected it at their 15-year mark, historically paired with a one-time Career Status Bonus. Members who chose REDUX receive a reduced multiplier of 2.0% per year of service (versus 2.5% under High-3) for years up to 20, and their annual cost-of-living adjustments are calculated at CPI minus 1% until age 62, when their pay is recalculated to the High-3 rate plus a one-time adjustment. Because of the reduced multiplier and slower COLA growth before age 62, REDUX generally results in lower cumulative retired pay than High-3 unless the upfront bonus is weighted heavily. Very few currently serving members remain eligible to elect REDUX today.

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

Retired Pay — REDUX — Office of the Under Secretary of Defense (Comptroller)

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.