Life-time Income: Military VS. Civilian Pilot

minority_pilot

New Member
I am currently doing a little research about a person's life-time income/quality of life as a civilian pilot versus a military pilot/officer. If one has a college degree, commissioned at the age of 25, retired after 20 years as an O-4 or O-5 VS. a zero time 25 y/o civilian going thru flight school/CFI/Regional/Major, another word "flying career till retirement". Which route is better??

As an O-3 with 10 yrs of service: $75,000 to $85,000 a year

As a FO with 4 yrs at a major:Roughly the same as above
 
mtsu_av8er said:
Where in the world are you getting your numbers, minority?

Check out the pay scales.

[off-topic]
One of the new skins doesn't automagically underline links, so you can't tell they're a link unless you float your pointer thingy over 'em. I'm trying to get in the habit of adding underlines to all my links to make 'em easier to find.

Look at "
scales"compared to "scales" when using the *Skynet Blue Expanded* skin.

[/off-topic]

 
SteveC said:

[off-topic]
One of the new skins doesn't automagically underline links, so you can't tell they're a link unless you float your pointer thingy over 'em. I'm trying to get in the habit of adding underlines to all my links to make 'em easier to find.

Look at "
scales"compared to "scales" when using the *Skynet Blue Expanded* skin.

[/off-topic]


Yeah, I'm actually starting to color the text blue, so that it clearly shows as a link. I have to do it manually, though . . .
 
mtsu_av8er said:
Where in the world are you getting your numbers, minority?

Check out the pay scales.

I served in the military after high school (enlisted as a finance personel), so I know their pay system inside out.

As a O-3 with 10 yrs of service:
Base Pay is $4875.30
Officer BAS $175 (tax-free)
BAH w/dep avg. $1500 to $2100 (tax-free) "Assuming you are married"
= $6551 to $7151 per month,
= $79,815 to $85,812 annually

If you want to be more accurate, BAH and BAS should add an additional +28% for tax purpose. i.e. you get $2000 = you are actually getting $2560
And don't forget they are also entitle to the followings:
COLA, FlightPay, Hazardous Pay, Uniform Allowance, Family sep, etc..

To be extremely accurate, military leave is about 10 days more than civilian, add the additional 10 days leave per year: ~$300 a day= ~$3000 a year.
So in conclusion: an Captain (Army) or LT (Navy) with 10 yrs of service is actually recieving something very close to 6 figures. And yes you do make that much!!!
 
SLAM!!

:D

Yep our military pay can be very decieving... I take home about $52K /Yr being a married E-7 with 13 yrs.

Now... if you are a Navy Nuke O-3 (probably at least O-4 in reality in the nuke word after 10) and get that Nuke Bonus of $30K a year, you are most defidently making 6 Figures...

I pretty sure pilots get aviation bonuses too in the navy...
 
Your numbers actually work out pretty well, Minority! Good math! I would have to disagree with the leave thing . . .

Although you get 30 days of leave, you're charged for weekends and holidays!

So, if everybody in the unit gets Dec 23-26 off, and you take leave from the 22-27, you're charged leave for the whole time!!

Considering that most folks take leave during the holidays, I'd say you're getting screwed big time . . .
 
Minority is right on about the salary. I'm an O-3 with about 7 years. The only thing missing is the flight pay. After 6 years it's up to $650 a month. I think it decreases a bit after 14 yrs.

I never did understand being charged for leave on the weekend. That still bugs me.

Remember, for life long earnings you can retire from the military at 20 and still have a 15+ year career. After 15 years at an airline you may be close to maxing out the pay scale plus you're making you military retiremtent for the rest of your life. Sounds so good I'm almost convincing myself to stay in. Almost...
 
deskjockey said:
Minority is right on about the salary. I'm an O-3 with about 7 years. The only thing missing is the flight pay. After 6 years it's up to $650 a month. I think it decreases a bit after 14 yrs.

There are also some hefty retention bonuses for pilots. A bud of mine was an active duty O-4 with 14 yrs, was pulling in about $95k with flight pay, retention pay, etc.
 
minority_pilot said:
I am currently doing a little research about a person's life-time income/quality of life as a civilian pilot versus a military pilot/officer. If one has a college degree, commissioned at the age of 25, retired after 20 years as an O-4 or O-5 VS. a zero time 25 y/o civilian going thru flight school/CFI/Regional/Major, another word "flying career till retirement". Which route is better??

As an O-3 with 10 yrs of service: $75,000 to $85,000 a year

As a FO with 4 yrs at a major:Roughly the same as above

You are looking at two very different things. So examine each one separately.

One is money! Earnings! Stuff you need to pay for the lifestyle you want to have.

The second is quality of life. How you want to spend your time, both working and free.

There is a third thing...I'll get to that later.

Regarding money. You will not, repeat not make enough to afford the lifestyle of the rich and famous on what you make in the military. Yes, it is good money, yes it will buy a lot of things. But...if you want the big mansion, fancy foo-foo cars, exotic vacations, and the stuff that gets you on the front page of Forbes, forget the military. Just isn't going to happen.

Now if you just want the "big three" i.e. roof over your head, food on the table, and reliable transportation...the money is there. Plus enough left over for what I call (being automotively addicted) "garage candy".

With the airlines...well two years ago I would have said,

"No comparison...this is big BUCKS!"

In today's world, can you say,

"Delta Air Lines bankruptcy"? I'll defer to Doug and some of the current airline pilots. I honestly don't know how much they're making right now. Being retired I'm only interested in taking care of myself, by my own means, without any future income from Delta Air Lines.

Now to issue # 2...quality of life.

This is a real personal thing and no two people will fell the same about it. For me, I felt honored to have served for 28 years. There were many instances where the time away from home, the environment I woke up to in some really nasty place, the daily grind, and some really lousy food made me ask why I chose such a profession. But in the end, the personal gratification of what I was doing made up for it. I liked the military. I chose it freely and voluntarily and like I said, I was honored to having chose that profession. What I had was great quality of life.

That being said, when I moved over to the airline side, it too had a quality of life. And like the military, some was good, and some was bad. Can you say,

"Billings on New Year's eve with a oh-dark-thirty getgo the next morning"? But then that was more or less offset by 30 hours in San Diego with a lot of it spent at Hooters and Dick's Last Resort!

So in the end you have to look a little past the money as IMHO that's not the whole story.

But that's just my take based on what I did for the majority of my adult life.

That "third thing" deals with commitment. And regardless of which way you go, it's something you have to possess. Otherwise you're doing yourself and your employer a disservice. For my feelings on the military commitment, see my post in the Texas Air National Guard thread.
 
Best of both world is fly in the guard/reserves and the airlines/corp. That way you max out both and have enough saved in IRAs so you can retire.
 
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