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O-1 pay lookup
Monthly O-1 basic pay for any year of service, 2026 and projected 2027.
O-1 basic pay, 0 years
$4,150.20
a month in 2026 · $49,802 a year
- Per paycheck (twice a month)
- $2,075.10
- Per hour (2,080-hour year)
- $23.94
- 2027 with a 6% raise (projected)
- $4,399.21
- Monthly increase
- $249.01
Basic pay only: BAH, BAS and special pays are on top. 2027 figures apply the January 1, 2027 raise in the President’s alternative pay plan; DFAS publishes the final table in December.
Independent estimate tool. Not affiliated with DoD, DFAS or VA. Your LES, finance office or VA decision letter is the official amount.
O-1 pay chart 2026
O-1 pay has three steps: under 2 years, over 2 and over 3. Most officers are promoted to O-2 after about two years, so few stay on the higher O-1 steps.[co]
| Years of service | Monthly | Yearly | Projected Jan 2027 |
|---|---|---|---|
| 2 or less | $4,150.20 | $49,802 | $4,399.21 |
| Over 2 | $4,320.00 | $51,840 | $4,579.20 |
| Over 3 | $5,222.40 | $62,669 | $5,535.74 |
Prior-enlisted officers with more than 4 years of enlisted or warrant service are paid as O-1E once they pass 4 years: $5,222.40 a month at over 4 years, versus $5,222.40 for a regular O-1[cofe].
O-1 BAH at major bases
Housing allowance often adds as much as basic pay. 2026 BAH for an O-1 at a sample of installations[bah]:
| Housing area | With dependents | Without dependents |
|---|---|---|
| Colorado Springs, CO | $2,376 | $1,959 |
| San Antonio, TX | $1,905 | $1,584 |
| Fort Sill/Lawton, OK | $1,272 | $1,167 |
| Fort Benning, GA | $1,755 | $1,554 |
| Fort Rucker, AL | $1,602 | $1,305 |
| Patrick Sfb, FL | $2,553 | $2,148 |
| Gulfport, MS | $1,614 | $1,410 |
| Beale AFB, CA | $2,994 | $2,496 |
Any other duty station: BAH calculator.
O1 take-home pay for a new officer
A single new O-1 at Fort Carson (Colorado Springs), filing single with 5% traditional TSP, takes home about $5,590.22 a month, plus a 5% government TSP contribution under BRS once matching starts. The breakdown: $4,150.20 basic pay, $1,959 BAH, $328.48 BAS, minus $291.46 federal tax, $317.49 FICA, $207.51 TSP and $31 SGLI. Change any input in the military pay estimator.
Commissioning and O1 pay
Officers are commissioned through a service academy, ROTC or officer candidate/training school. Academy cadets and ROTC cadets are paid $1,452.90 a month in 2026 before commissioning[co]. Officers get the lower officer BAS ($328.48) but generally a higher BAH than junior enlisted members at the same base. See does the military pay for college for academy and ROTC benefits.
O-1 rank titles by branch
| Service | Title |
|---|---|
| Army | Second Lieutenant |
| Navy / Coast Guard | Ensign |
| Air Force / Space Force | Second Lieutenant |
| Marine Corps | Second Lieutenant |
All of them earn the same pay; see which branch pays the most for where the differences come from, and the full 2026 military pay chart for every grade.
Frequently asked questions
How much does an O1 make?
$4,150.20 a month in basic pay with under 2 years in 2026, or $49,802 a year, plus BAH and $328.48 BAS.
What is O-1E pay?
The higher rate for officers with over 4 years of prior enlisted or warrant service: $5,222.40 a month at over 4 years in 2026.
What raise will an O1 get in 2027?
6% (grades E-6 to O-3) under the President’s plan, about $4,399.21 a month for a new O-1, if Congress does not change it.
Sources
- Basic Pay – Officers, effective January 1, 2026
- BAH Rate Lookup and 2026 BAH rate files (all locations, all pay grades, ASCII)
- Basic Allowance for Subsistence (BAS) rates
- H. Doc. 119-189, Alternative Plan for Pay Adjustments … for Members of the Armed Forces in January 2027
- Publication 15-T (2026), Federal Income Tax Withholding Methods
- Basic Pay – Officers credited with over 4 years of enlisted or warrant service, effective January 1, 2026