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Talk to a Navy recruiter. From STEM careers to Navy life, get the answers to your burning questions.

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Pay

A United States Navy Aircrewman Operator gives hand signals to a Navy Pilot on the runway of an aircraft carrier

WE HAVE YOU COVERED

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 even housing stipends.  Just as you dedicate your life to the nation’s cause, we dedicate our world-class benefits to you. The Navy is a family, and we take care of our own.

Contact a recruiter for more details about Navy pay and benefits.

RUN THE NUMBERS ON NAVY PAY

Find out what makes Navy compensation so competitive. It’s the pay, plus the valuable benefits you won’t find with many other jobs. From housing to education and much more – there’s a lot to factor in. To explore different compensation scenarios, you can make adjustments to the Enlisted or Officer tabs, the Full-Time or Part-Time tabs or select a rank.

 

For most Sailors, your rank will begin at E-1 (for Enlisted) or O-1 (for Officer) levels and can increase with service time. College experience or other skills can allow for a higher starting rank.

Rank
Avg. Yearly Pay w/Benefits
Rank
Avg. Yearly Pay w/Benefits
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Rank
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Rank
Avg. Yearly Pay w/Benefits
O-1 COMPENSATION BREAKDOWN
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Numbers shown are based on an average of base pay/wages, housing allowance, food allowance, education assistance, retirement matching (up to 5%), tax advantage, and health coverage (health, dental, vision, prescriptions) with dependents.

Download Active Duty and Reserve pay charts here. View total compensation compared to civilian pay here. 

Benefits

Our people are our most valuable assets, so we care for them well. Whether you’re getting a fully funded college degree or accessing the best health care in the country – Navy benefits are the most competitive out there. Peace of mind is right at your doorstep.

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Students studying on campus, researching future options like Navy Benefits.

EARN YOUR DEGREE ON US

The Navy will help cover the cost of your college degree with financial assistance programs like NROTC, Tuition Assistance, the Post-9/11 GI Bill and more.

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Navy Health & Life Insurance provides peace of mind for families. Mother & daughter reviewing options.

Your Well Being is Our Priority

Make sure you and your family are covered with top-notch health and life insurance policies.

Health and Life Insurance

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Health

Receive health insurance coverage through the Navy’s fleet of top doctors, nurses, dentists and surgeons. You and your family can obtain care through all military medical and dental facilities, as well as with outside providers as needed.

Navy Health Care

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Life

Take care of you and your family 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:

$500,000 of full-time coverage for you.

$100,000 of full-time coverage for your spouse.

$10,000 automatic coverage at no cost for dependents. 

Life Insurance for Sailors 

Life Insurance for Family 

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Navy Reserve

Navy Reserve Sailors and their families are eligible for complete coverage through the Department of Defense Health Care Program, TRICARE, which combines civilian and armed services health resources.

Insurance for Reservists 

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Paths to Retirement 

Get support for retirement whether you’re in for a short time or the long haul. With the flexible Thrift Savings Plan (TSP), you can get help contributing to your retirement on day one. But if you serve for 20 years, you’ll receive a guaranteed steady retirement income on top of the money you managed to put into your TSP.

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Navy supports families with housing costs. Father & son enjoying their home on a sunny day.

Flexible Housing Options

Not many jobs cover your housing costs like the military.

  1. Live on base for free.

  2. Live off base with a reasonable housing allowance (which varies by rank, rate, dependents and location).

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Explore the world with Navy travel benefits & 30 days vacation leave. Girl kayaking in paradise.

Travel Around the World

  1. With 30 days of annual vacation and over 100 ports of call, you can travel the world as a Navy Sailor.

  2. Fly standby for less on vacation and receive priority boarding.

  3. Stay at military facilities while traveling (and save on hotels).

  4. Take advantage of recreational facilities – like bowling alleys and private beaches – at bases around the globe.

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Female Sailor in hard hat gazes toward the horizon. Navy career training builds skills for tomorrow.

Career-Boosting Training

Develop valuable skills in the Navy. Then turn your everyday, on-the-job Navy training into certificates and credentials with the Navy Credentialing Opportunities Online (COOL) Program. Prepare yourself for a successful civilian career when you leave the service.

Find a Navy Recruiter in Your Area

Now that you have an idea of our competitive compensation and benefits, talk to your local Recruiter and learn more about why a Navy career is right for you.

Contact Navy Recruiter

 

Get Perspective on Pay & Benefits

More About Pay

Will I Be Paid in Boot Camp?

Yes, your pay starts the day you get to boot camp. Newly 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?

New recruits may earn an enlistment bonus based on their rate.

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.

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.