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Full-entitlement veterans face no statutory limit since 2020.",lastVerified:"2026-01-15"}},education:{post911:{privateSchoolCapAnnualCents:3090834,booksStipendAnnualCents:1e5,academicYear:"2026-2027",rateEffective:"2026-08-01",rateExpires:"2027-07-31",expirationYearsIfDischargedBeforeCutoff:15,noExpirationDischargeCutoff:"2013-01-01",noExpirationDischargeCutoffDisplay:"January 1, 2013",source:"VA â Post-9/11 GI Bill (Chapter 33) rates",sourceUrl:"https://www.va.gov/education/benefit-rates/post-9-11-gi-bill-rates/",lastVerified:"2026-08-01"},mgibAd:{fullTimeMonthlyCents:251800,fiscalYear:2026,rateEffective:"2025-10-01",rateExpires:"2026-09-30",buyInTotalCents:12e4,buyInStatute:"38 U.S.C. \xa7 3011(b)",source:"VA â Montgomery GI Bill Active Duty (Chapter 30) rates",sourceUrl:"https://www.va.gov/education/benefit-rates/montgomery-active-duty-rates/",lastVerified:"2026-07-07"}},realEstate:{reserveDefaults:{maintenancePct:8,vacancyPct:6,capexPct:5,propertyMgmtPct:0,note:"Industry conventions, not statutory. User-overridable in the calculator."}},tsp:{brsMatch:{automaticPct:1,dollarForDollarPct:3,fiftyCentsOnDollarPct:2,maxGovtPct:5,vestingYears:2,source:"10 U.S.C. \xa7 1463 / DoDI 7000.14-R Vol 7A Ch 65",note:"Statutory schedule. Don't refresh without legislation."},historicalReturns:{gFundPct:2.8,fFundPct:1.7,cFundPct:15.4,sFundPct:12.2,iFundPct:10.2,lFund2050Pct:11.5,asOfDate:"2026-05-06",window:"Trailing 10-year annualized (2016-04-01 through 2026-05-05)",source:"TSP.gov fund performance (aggregated via tspfolio.com)",sourceUrl:"https://www.tsp.gov/fund-performance/",aggregatorUrl:"https://www.tspfolio.com/tspfunds",note:"Past performance does not predict future returns. 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Procedural terms (30-day eligibility, 120-day auto-return) per DoD FMR Vol 7A Ch. 51 â re-verify each January.",lastVerified:"2026-07-05",sourceUrl:"https://www.law.cornell.edu/uscode/text/10/1035"},sgli:{maxCoverageDollars:5e5,incrementDollars:5e4,statute:"38 U.S.C. \xa7 1967",note:"Max raised $400Kâ$500K effective 2023-03-01. Don't refresh without legislation.",source:"VA â SGLI options and eligibility",sourceUrl:"https://www.va.gov/life-insurance/options-eligibility/sgli/",lastVerified:"2026-07-04"},bah:{rateYear:2026,mhaCount:299,paygradeCount:24,zzCountyCostGroupCount:39,source:"DFAS / DoD Basic Allowance for Housing (BAH) rates",sourceUrl:"https://www.travel.dod.mil/Allowances/Basic-Allowance-for-Housing/",note:"Rates set annually by DoD, effective Jan 1 (released mid-December, see bah_rates.published_date), plus occasional mid-year temporary increases on their own effective_date. Read live from the bah_rates table (non-superseded rows with effective_date on or before today). Computed by Military Housing Area (MHA), not ZIP. mhaCount is the official DoD MHA count (299); the table also holds 39 ZZ county cost groups (not MHAs) for 338 total codes.",mhaCountSource:"https://www.war.gov/News/Releases/Release/Article/4357076/department-of-war-releases-2026-basic-allowance-for-housing-rates/",lastVerified:"2026-07-28",navigatorMhaResolution:{resolverFile:"lib/data/military-bases-ad
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