# PayOrPoints

PayOrPoints is a free web calculator for National Guard and Reserve members comparing military drill pay against VA disability compensation recoupment.

## Primary Pages

- [Pay or Points Calculator](https://payorpoints.org/): Estimate whether taking drill pay or waiving pay for retirement points is likely better for a typical MUTA-4 drill weekend.
- [Detailed Calculator](https://payorpoints.org/detailed): Placeholder for future expanded calculator workflows.
- [Disclaimer](https://payorpoints.org/legal/disclaimer): Important limitations, non-official status, and verification guidance.
- [Privacy Policy](https://payorpoints.org/legal/privacy): Data collection and privacy information.

## Key Facts

- The calculator is free to use.
- The calculator uses available 2026 military drill pay and VA disability compensation tables.
- The calculator is an estimate and is not an official VA, DFAS, DoD, or military service website.
- Users should verify final decisions with official resources and their unit.

## Useful Source Links

- [VA disability information](https://www.va.gov/disability/)
- [DFAS](https://www.dfas.mil/)