How much liquid cash do you actually need — and how fast can you build it?
Your War Chest Goals
War Chest target set to $30,000 — a New Car fund ($10,000) and a VA loan down payment & closing costs ($20,000). This covers the two most common first asset purchases for service members.
$
$
$
War Chest Target
—
Select at least one goal. Your War Chest Target is the combined total of all selected goals.
Your Financial Situation
$
Base pay + BAH + BAS, after taxes. Include your TSP contribution here — enter it separately below.
$
Minimum required payments: credit cards, auto, student, personal loans.
Dollar amount going to TSP or IRA each month. Minimum $0 — but 5% of base pay captures the full BRS match.
$
Emergency Savings Fund — separate HYSA for emergencies only.
$
Liquid savings earmarked for asset acquisition — separate account from ESF.
Free cash after TSP—
Combined Cash Reserves
$0
—
Mission Readiness
Savings Timeline
Extra monthly savings$0 / mo
$0$2,000
TSP-safe limit: $0 / mo — drag past this to model reducing your TSP contribution.
TSP territory: At this savings rate you would need to reduce your monthly TSP contribution below its current level. Never go below 5% of base pay — that's the floor to secure the full BRS government match.
Hover the chart to read balances at any month
Recommended Monthly Plan
Military Wealth Coach
Ready to build your full wealth plan?
Our courses walk you through every step of the Six-Step SOP — from eliminating bad debt to acquiring your first income-generating asset. Every course includes downloadable worksheets and planners so you can execute, not just learn.