[gt350mike]

The retirement system is based on points times the amount allotted for your rank. Since you have three years of AD, you have accumulated 1095 points so far. You will need a total of twenty "good years" before you are eligible to draw a retirement when you turn 60. So if you did nothing but attend drill and your 2 week annual training each year for the next seventeen years, you would accumulate 1071 pts (63 pts per yr x 17 years). The reserves also award an additional 15 pts per year as a member of the reserves so you will you would accumulate another 255 pts, which would bring your net around 1326. Adding your AD points of 1095, your total would be 2421.

I would expect that you will be promoted a few more times so using the scale for E-8s, use .31 per point for 20+ years and up to .358 for 30+ years. Your retirement check would be about $750 per month if you just served the minimum time, but the op tempo for the next few years would put you in a position where you will accumulate more points towards retirement. There are several other ways to accumulate points towards retirement but you're better off talking with someone directly who knows the Navy Reserves and they'll be better suited to address your questions.