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Net Income/Salary after graduation seems very low for Ensigns?

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Just curious as to the income for the USNA grads when they are serving their 5 year commitment.
I understand that they get a base salary which is taxable. They get allowances that are not taxable.

I am curious to know how the real cost of living will affect their salary and what one can save during the 5 year commitment for an average person.

Gross Salary for Ensign: 2784/month to max 3502/month = 33408/yr [First year] to 42024/yr [At 5th year].
After tax for Ensign:...

Net Income/Salary after graduation seems very low for Ensigns?

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