O-4 Pay 2026 (Major)
O-4 basic pay in 2026 ranges from $6,294.60 to $10,509.90 a month depending on years of service. Enter your years of service to see monthly and annual pay, drill pay and total pay with allowances.
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About the O-4 Pay 2026
Pay grade O-4 (Major, Lieutenant Commander) is paid from the same basic pay table in every branch of the armed forces. The 2026 rates below include the 3.8% raise effective January 1, 2026 and come from the Defense Finance and Accounting Service tables.
How to use it
- Enter your completed years of service.
- Optionally enter your monthly BAH and choose whether to include BAS.
- Read your monthly and annual basic pay, drill pay and total pay with allowances.
O-4 pay chart 2026 by years of service
Monthly basic pay for pay grade O-4 effective January 1, 2026 (3.8% raise), with annual pay, the twice-monthly payment, the daily rate and drill weekend pay:
| Years of service | Monthly basic pay | Annual | Semi-monthly | Daily (1/30) | Drill weekend |
|---|---|---|---|---|---|
| 2 or less | $6,294.60 | $75,535 | $3,147.30 | $209.82 | $839.28 |
| Over 2 | $7,286.40 | $87,437 | $3,643.20 | $242.88 | $971.52 |
| Over 3 | $7,773.60 | $93,283 | $3,886.80 | $259.12 | $1,036.48 |
| Over 4 | $7,881.00 | $94,572 | $3,940.50 | $262.70 | $1,050.80 |
| Over 6 | $8,332.20 | $99,986 | $4,166.10 | $277.74 | $1,110.96 |
| Over 8 | $8,816.40 | $105,797 | $4,408.20 | $293.88 | $1,175.52 |
| Over 10 | $9,420.00 | $113,040 | $4,710.00 | $314.00 | $1,256.00 |
| Over 12 | $9,888.30 | $118,660 | $4,944.15 | $329.61 | $1,318.44 |
| Over 14 | $10,214.40 | $122,573 | $5,107.20 | $340.48 | $1,361.92 |
| Over 16 | $10,401.60 | $124,819 | $5,200.80 | $346.72 | $1,386.88 |
| Over 18 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 20 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 22 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 24 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 26 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 28 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 30 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 32 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 34 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 36 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 38 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
| Over 40 | $10,509.90 | $126,119 | $5,254.95 | $350.33 | $1,401.32 |
O-4 rank by branch
| Branch | Rank title |
|---|---|
| Army, Air Force, Marine Corps and Space Force | Major |
| Navy and Coast Guard | Lieutenant Commander |
Pay grade determines pay; the title depends on the service.
O-4 compared with nearby pay grades
Monthly basic pay at selected years of service:
| Grade | 2 or less | Over 3 | Over 4 | Over 8 | Over 12 | Over 16 | Over 20 | Over 24 | Over 28 | Over 32 |
|---|---|---|---|---|---|---|---|---|---|---|
| O-2 | 4,782.00 | 6,272.40 | 6,484.50 | 6,617.70 | 6,617.70 | 6,617.70 | 6,617.70 | 6,617.70 | 6,617.70 | 6,617.70 |
| O-3 | 5,534.10 | 6,770.40 | 7,382.70 | 8,125.50 | 8,788.20 | 9,004.20 | 9,004.20 | 9,004.20 | 9,004.20 | 9,004.20 |
| O-4 | 6,294.60 | 7,773.60 | 7,881.00 | 8,816.40 | 9,888.30 | 10,401.60 | 10,509.90 | 10,509.90 | 10,509.90 | 10,509.90 |
| O-5 | 7,295.40 | 8,787.00 | 8,894.10 | 9,461.40 | 10,271.70 | 11,391.30 | 12,032.70 | 12,394.80 | 12,394.80 | 12,394.80 |
| O-6 | 8,751.30 | 10,245.00 | 10,245.00 | 10,725.00 | 10,783.50 | 12,479.70 | 13,751.10 | 14,479.20 | 15,188.70 | 15,408.30 |
What O-4 total pay includes
- Basic pay: $6,294.60 to $10,509.90 a month, taxable.
- BAS: $328.48 a month in 2026, tax-free.
- BAH: tax-free housing allowance by ZIP code and dependency status when you do not live in government quarters.
- Special and incentive pays: hazardous duty, sea pay, flight pay, bonuses and others where they apply.
- Retirement: estimate it with the military retirement calculator.
All grades are in the 2026 military pay chart; add allowances and taxes with the military pay calculator.
Frequently asked questions
How much does an O-4 make in 2026?
O-4 basic pay in 2026 is $6,294.60 a month ($75,535 a year) at the lowest rate and $10,509.90 a month ($126,119 a year) at the highest. With over 4 years of service it is $7,881.00 a month.
What rank is O-4?
O-4 is Major in the Army, Air Force, Marine Corps and Space Force; Lieutenant Commander in the Navy and Coast Guard.
How much is O-4 pay per paycheck?
Military pay is issued twice a month. At $7,881.00 a month (over 4 years of service), each mid-month and end-of-month payment is about $3,940.50 of basic pay before taxes and allowances.
How much is O-4 drill pay for the Guard and Reserve?
One drill pays 1/30 of monthly basic pay. For O-4 with over 4 years of service that is $262.70 per drill and $1,050.80 for a standard four-drill weekend.
Does O-4 pay include BAH and BAS?
No. The figures are basic pay only. In 2026 the Basic Allowance for Subsistence is $328.48 a month for officers, and the Basic Allowance for Housing depends on duty station and dependents. Both are tax-free. Look up housing with the BAH calculator.
Is O-4 pay the same in every branch?
Yes. Basic pay for O-4 is identical in the Army, Navy, Air Force, Marine Corps, Space Force and Coast Guard. Only the rank title changes.
How much is the raise from O-4 to O-5?
At over 4 years of service, O-4 pays $7,881.00 a month and O-5 pays $8,894.10, a raise of $1,013.10 a month ($12,157 a year) in basic pay.
Official sources
Last reviewed: November 2026. Reference only. Check your Leave and Earnings Statement or DFAS for official pay.