O-3 (Captain) Pay with 4 Years of Service — 2026
An O-3 (Captain) with 4 years of service earns $7,382.70 per month in base pay in 2026, which is $88,592.40 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 $2,859/mo (with dependents) and BAS of $328.48/mo, total monthly compensation comes to approximately $10,570. 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 | $7,382.70 | $7,382.70 |
| BAH (national avg) | $2,859 | $2,493 |
| BAS | $328.48 | $328.48 |
| Total | $10,570 | $10,204 |
BAH varies by location. Use the BAH Calculator for your exact rate.
O-3 Pay Progression by Years of Service
See how O-3 base pay changes as you gain more time in service:
| Years of Service | Monthly Base Pay | Annual |
|---|---|---|
| 0 years | $5,534.10 | $66,409.20 |
| 2 years | $6,273.90 | $75,286.80 |
| 3 years | $6,770.40 | $81,244.80 |
| 4 years ← you | $7,382.70 | $88,592.40 |
| 6 years | $7,737.00 | $92,844.00 |
| 8 years | $8,125.50 | $97,506.00 |
| 10 years | $8,375.70 | $100,508.40 |
| 12 years | $8,788.20 | $105,458.40 |
| 14 years | $9,004.20 | $108,050.40 |
How O-3 Compares to Other Ranks at 4 Years
| Rank | Base Pay (4 YOS) | Difference |
|---|---|---|
| O-2 | $6,484.50 | -$898.20 |
| O-3 | $7,382.70 | — |
| O-4 | $7,881.00 | +$498.30 |
More O-3 Pay Information
- O-3 with 2 years of service
- O-3 with 6 years of service
- Full O-3 Pay Table (all years)
- All Military Pay Charts
Frequently Asked Questions
How much does an O-3 make with 4 years of service?
An O-3 (Captain) with 4 years of service earns $7,382.70/month in base pay ($88,592.40/year). With BAH and BAS, total compensation averages $10,570/month with dependents.
What is O-3 base pay at 4 years?
2026 O-3 base pay at 4 years of service is $7,382.70/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-3, this means $3,187.48/month in allowances is untaxed, significantly reducing your effective tax rate.