diff --git a/src/components/HrTools/PdsGoalCalculator/SupportItem/salaryBreakdown.test.tsx b/src/components/HrTools/PdsGoalCalculator/SupportItem/salaryBreakdown.test.tsx
index c12a0a874e..a2656c0d92 100644
--- a/src/components/HrTools/PdsGoalCalculator/SupportItem/salaryBreakdown.test.tsx
+++ b/src/components/HrTools/PdsGoalCalculator/SupportItem/salaryBreakdown.test.tsx
@@ -99,6 +99,28 @@ describe('buildSalaryBreakdownRows', () => {
     expect(byId['total']).toBeCloseTo(4680.0, 2);
   });
 
+  it('shows "Monthly Base" formula when geographic multiplier is 0', () => {
+    const rows = buildSalaryBreakdownRows(
+      salariedCalculation,
+      { ...constants, geographicMultiplier: 0 },
+      'en-US',
+      i18n.t,
+    );
+    const row = rows.find((r) => r.id === 'gross-monthly-pay');
+    expect(row?.formula).toBe('Monthly Base');
+  });
+
+  it('shows "Monthly Base × Geographic Multiplier (rate)" formula when multiplier is non-zero', () => {
+    const rows = buildSalaryBreakdownRows(
+      salariedCalculation,
+      { ...constants, geographicMultiplier: 0.06 },
+      'en-US',
+      i18n.t,
+    );
+    const row = rows.find((r) => r.id === 'gross-monthly-pay');
+    expect(row?.formula).toBe('Monthly Base × Geographic Multiplier (106%)');
+  });
+
   it('inserts hours-per-week and monthly-base rows for hourly', () => {
     const rows = buildSalaryBreakdownRows(
       hourlyCalculation,
diff --git a/src/components/HrTools/PdsGoalCalculator/SupportItem/salaryBreakdown.tsx b/src/components/HrTools/PdsGoalCalculator/SupportItem/salaryBreakdown.tsx
index 84e0253af1..9b5d9b0931 100644
--- a/src/components/HrTools/PdsGoalCalculator/SupportItem/salaryBreakdown.tsx
+++ b/src/components/HrTools/PdsGoalCalculator/SupportItem/salaryBreakdown.tsx
@@ -76,9 +76,12 @@ export const buildSalaryBreakdownRows = (
     {
       id: 'gross-monthly-pay',
       category: t('Gross Monthly Pay'),
-      formula: t('Monthly Base × Geographic Multiplier ({{rate}})', {
-        rate: percentageFormat(1 + geographicMultiplier, locale),
-      }),
+      formula:
+        geographicMultiplier === 0
+          ? t('Monthly Base')
+          : t('Monthly Base × Geographic Multiplier ({{rate}})', {
+              rate: percentageFormat(1 + geographicMultiplier, locale),
+            }),
       amount: grossMonthlyPay,
       format: 'currency',
       testId: 'gross-monthly-pay',