VTS System

The Duffle Bag

22 free tools for military spouses. Budgets, taxes, TRICARE, PCS, SCRA protections, career prep — all running in your browser. No accounts, no tracking, just answers.

Active Duty Spouses/Duffle Bag

Free Tools

Military LES Decoder

Break down a military Leave & Earnings Statement line by line — BAH, BAS, SGLI, TSP, allotments, and every deduction explained.

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Money & Military Pay

TSP & Savings Growth

See how your TSP contributions grow over time. Includes BRS government match, combat zone Roth advantage, and fund comparison.

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Money & Military Pay

Credit Score Simulator

Toggle real financial scenarios and watch your credit score go up or down in real time. Learn what actually moves the needle.

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Money & Military Pay

Military Family Budget Builder

Track where your money goes with military-specific income: base pay + BAH + BAS + deployment bonuses. Compare against the 50/30/20 rule.

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Money & Military Pay

Deployment Savings Goal

Plan deployment savings with the 10% guaranteed Savings Deposit Program. Set a goal, see the timeline, maximize tax-free earnings.

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Money & Military Pay

Tipping Guide

Calculate appropriate tips for any service scenario. Split the bill, compare percentages, and understand tipping norms.

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Money & Military Pay

Military Tax Estimator

Estimate your federal and state taxes with military-specific exclusions: combat zone tax-free pay, BAH/BAS exclusion, state of legal residence strategy.

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Money & Military Pay

Subscription Tracker & SCRA

Audit your recurring subscriptions. See the real monthly and annual cost — plus which ones you can cancel under SCRA during PCS or deployment.

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Money & Military Pay

Credit & SCRA Protections

Calculate how much you save with the SCRA 6% interest rate cap. Get step-by-step instructions to notify your lenders.

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Career & Employment

Spouse Resume Builder

Build a resume that turns PCS employment gaps into strengths. Skills mapping, gap explanation templates, and remote-work positioning.

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Career & Employment

Worker Rights at Every Duty Station

Minimum wage, break laws, overtime rules, and complaint filing — all customized to your current duty station state.

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Career & Employment

Interview Prep for Military Spouses

Practice common questions with the STAR method. Get military-spouse-specific answers for relocation, gaps, and remote readiness.

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Career & Employment

PCS Job Loss Guide

Lost your job because of PCS orders? Check unemployment eligibility, find MSEP resources, and plan your next move.

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Education & Training

Student Loan & MyCAA Calculator

Project your loan payoff timeline and see how the $4,000 MyCAA grant changes the math. Compare standard vs. accelerated repayment.

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Education & Training

FAFSA & Military Education

Estimate your Expected Family Contribution and Pell Grant eligibility. Learn why BAH and BAS don't count as FAFSA income.

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Life Admin & PCS

PCS Housing Calculator

Compare BAH at your current and next duty station. Calculate move-in costs, monthly bills, and whether renting or buying makes sense.

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Life Admin & PCS

Car Buying at a New Duty Station

Calculate the true monthly cost of a car — payment, insurance, gas, maintenance, and registration. Plus lemon law differences by state.

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Life Admin & PCS

TRICARE for Families Explained

See what you actually pay for a checkup, ER visit, or surgery under each TRICARE plan. No jargon — just your cost.

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Life Admin & PCS

Military Family OPSEC Checkup

Audit your digital security: social media settings, location sharing, deployment countdowns, and device security. Get an OPSEC score.

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Life Admin & PCS

Financial Reality Check

Track your spending habits and see the real opportunity cost. What could that money become in 5, 10, or 20 years?

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Life Admin & PCS

Voting Guide for PCS Families

Register to vote, request an absentee ballot, and understand state of legal residence — even when you PCS every 2-3 years.

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Life Admin & PCS

Jury Duty & SCRA Guide

Got a jury duty summons? Learn your SCRA postponement rights, how to request a delay, and a template letter to send the court.

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Built for military families.

Every tool accounts for BAH, tax-free allowances, TRICARE, and PCS realities.

Sourced from official data.

2026 pay tables, TRICARE copays, and benefit amounts from DoD and VA sources.

Private. No tracking.

No cookies, no analytics accounts, no data collection. Your numbers stay on your device.

New here? Pick any tool and go.

No order, no sign-up, no curriculum. Just find what you need and use it.

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Learn something real

Every tool explains the why