GET WHAT YOU GIVE
Your Navy service will never go unrecognized, with pay and benefits that rival the private sector. Earn to support yourself, your family, your ambitions and your future. Receive reliable insurance, retirement coverage, education opportunities and perks you never even considered. Just as you dedicate your life to the nation’s cause, we dedicate our dollars to you. The Navy is a family, and we take care of our family.
Contact a recruiter to hear our Sailors’ firsthand experiences with pay and benefits.
Navy Pay & Benefits
HOW MUCH DOES THE NAVY PAY?
Let’s get straight to the point: A Navy salary is just one aspect of all you’ll earn as a Sailor. Navy pay is determined primarily by your rate/rank and years of service, and adjusts based on whether you’re Enlisted or an Officer, Active Duty (full time) or a Navy Reserve Sailor (part time). See the Navy pay chart below for further details.
When considering salary, be sure to account for the value of housing and other allowances, as well as unparalleled benefits that add thousands of value dollars to your compensation. For more information, please contact a recruiter.
*If you're a Navy Reserve Sailor, you will receive four days of base pay for every two days of weekend drilling as well as full Active Duty pay during Annual Training. You will also be compensated for any additional days you choose to serve.
More About Pay
Will I Be Paid in Boot Camp?
Yes, your pay starts the day you get to boot camp. Most new enlisted Sailors start out at the E-1 pay grade, but there are exceptions. You may also be eligible for additional bonuses and allowances. Talk to a recruiter for more information.
Will I Earn Bonuses?
You can earn an Enlistment Bonus of up to $40,000.
Earn Special Pay for hazardous duty, advanced skills like aviation or high-demand roles such as health care.
Sea Pay, Submarine Duty Pay, Hardship Duty Pay and Tax Exclusion are available based on location of service.
Does the Navy Pay for Housing?
The Navy will help you pay for housing with allowances provided to Sailors living off-base. Allowances will vary depending on rank, rate, housing location and dependents.
Can I Get a Raise?
As with any career path, Sailors are eligible for raises and promotions based on performance, accumulated years of service, and needs of the Navy. In addition, Congress generally authorizes a military pay raise every year to reflect cost-of-living increases.
Our people are our most valuable assets, so we care for them well. With world-class training, opportunity to pay for college and advanced degrees, access to the best health care in the country, retirement plans, tax incentives, and more perks than you could have imagined, Navy active-duty benefits are the most competitive out there. Peace of mind is right at your doorstep.
Explore the Perks
WE WILL PAY FOR SCHOOL
Knowledge may be free, but education is increasingly expensive. That’s why the Navy helps Sailors pay for college and education. With programs like NROTC, Tuition Assistance, the Post-9/11 GI Bill and many more, the Navy will help you earn degrees at almost no cost to you. If it sounds too good to be true, just remember that we won’t take the tests for you — the hard part is still on you. Contact a recruiter for more information about education opportunities.
Learn more about undergraduate degree opportunities here.
Or explore graduate-level and specialized program opportunities here.
Ambition and work ethic are rewarded in the Navy. Regardless of what job function or pay grade you have upon entering the Navy, promotions are standardized and everyone has an equal opportunity to progress to the next level based on individual performance and the needs of the Navy.
LEARN NEW SKILLS
As one of the most technologically superior forces in the world, we encourage hands-on training to advance specialized interests. Our training centers catapult you toward your career goals by developing skills that will serve you well both in the Navy and beyond. If there’s a job in the civilian world you like, we have the training to prepare you to be the best at it. Find your career now.
As you progress in your career, you will obtain more responsibility and, with that, more freedom to lead a team to mission success. The further you progress in your career, the more we rely on you to set an example as a leader. Your training will prepare you for this crucial role.
NAVY COOL PROGRAM
Through the Navy Credentialing Opportunities Online (COOL) Program, you can translate your training into certificates and credentials that can solidify coveted jobs for you in the future. By the end of your Navy career, you’ll not only have new skills and experiences, but also the credentials to back them up.
The Navy is in a unique position to offer premier health insurance coverage through its very own fleet of top doctors, nurses, dentists and surgeons with Navy Health Care. World-class health insurance is available to you and your family at all military medical and dental facilities, as well as for special services that require outside providers. Discover more information about Navy health care coverage.
Life insurance in the Navy is not taken lightly. When you put your life in our hands, we make sure you and your family are taken care of with term life insurance under the Servicemember's Group Life Insurance (SGLI) plan and the Family Servicemember's Group LIfe Insurance (FSGLI) plan. Earn up to:
- $400,000 of full-time coverage for you.
- $100,000 of full-time coverage for your spouse.
- $10,000 automatic coverage at no cost for dependents.
NAVY RESERVE SAILORS
Navy Reserve Sailors and their families are also eligible for coverage through the Department of Defense Health Care Program, TRICARE. This program combines civilian and armed services health resources, offering complete health care coverage.
WE SERVE YOU THE WORLD
Adventure seekers, pay attention. This is your ticket to traveling the world with perks no civilian could ever access. With over 100 ports of call around the world in every time zone, you can expect to travel far and wide, if you so choose.
- Receive 30 days of paid vacation time.
- Fly standby for a fraction of the cost.
- Receive priority boarding on most airlines.
- Stay at military facilities for lodging that’s more affordable than a hotel when traveling.
- Take advantage of recreational facilities like bowling alleys, movie theaters and private beaches on bases around the globe.
GET PAID TO RETIRE
As life gets more expensive and lasts longer, more Americans find themselves unable to retire easily. Sailors who serve 20 years receive a guaranteed steady retirement income. To give you some perspective, by age 38, you could retire with a monthly paycheck for the rest of your life, freeing up time for travel, family and passions. With military retirement pay on top of what you will have saved through the Thrift Savings Plan, you can play the long game — and win.
Calculate what you could earn with the military retirement calculator.