O-10 (General) Pay with 20 Years of Service — 2026
An O-10 (General) with 20 years of service earns $18,491.10 per month in base pay in 2026, which is $221,893.20 per year. Base pay is the taxable portion of military compensation and does not include housing or food allowances.
When you add the national average BAH of $NaN/mo (with dependents) and BAS of $328.48/mo, total monthly compensation comes to approximately $NaN. BAH and BAS are tax-free, making the effective compensation even higher than it appears.
Monthly Compensation Breakdown
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $18,491.10 | $18,491.10 |
| BAH (national avg) | $NaN | $NaN |
| BAS | $328.48 | $328.48 |
| Total | $NaN | $NaN |
BAH varies by location. Use the BAH Calculator for your exact rate.
O-10 Pay Progression by Years of Service
See how O-10 base pay changes as you gain more time in service:
| Years of Service | Monthly Base Pay | Annual |
|---|---|---|
| 0 years | $18,491.10 | $221,893.20 |
How O-10 Compares to Other Ranks at 20 Years
| Rank | Base Pay (20 YOS) | Difference |
|---|---|---|
| O-9 | $17,443.50 | -$1,047.60 |
| O-10 | $18,491.10 | — |
More O-10 Pay Information
Frequently Asked Questions
How much does an O-10 make with 20 years of service?
An O-10 (General) with 20 years of service earns $18,491.10/month in base pay ($221,893.20/year). With BAH and BAS, total compensation averages $NaN/month with dependents.
What is O-10 base pay at 20 years?
2026 O-10 base pay at 20 years of service is $18,491.10/month. This is the taxable portion of military pay.
Is military pay taxable?
Base pay is subject to federal income tax. BAH and BAS are tax-free. For an O-10, this means $NaN/month in allowances is untaxed, significantly reducing your effective tax rate.