It will end up being based off of your base pay + a cost of living adjustment that occurs. Specialty bonuses are not included.What pay is included in retirement? I assume BAH is not, but what about specialty pay?
Everyone says how the retirement is really good but what is the amount of money you would most likely get after 20 yrs of service?
It would not be common to serve the full 20 years on IRR - it would be difficult to get "good years". If you want to get any type of retirement or benefits - then at the very least you should look at IMA or DIMA positions - these offer some great flexibility, and with a little effort you can make your "good years" http://www.goarmy.com/reserve/ps/army_reserve_force_structure.jspMy Q to the above thread is how common is it to serve the rest of your 20 years on the IRR and how retirement pay is affected by being on IRR vs serving active duty all 20 of those years.