TSP Calculator

Estimate TSP growth with a built-in standard automatic 1% plus matching schedule through 5% of basic pay. The projection models eligible catch-up contributions and spreads employee and agency cash flows across each year.

Inputs

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Result

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Projected ending balance: $1,031,615.78
Employee contributions: $256,242.40
Employer contributions: $128,121.20
Regular employee deferrals: $256,242.40
403(b) service catch-up contributions: $0.00
Age-based catch-up contributions: $0.00
Projected investment growth: $597,252.18
Age catch-up allocated to Roth: $0.00
Projected Roth catch-up balance: $0.00
Catch-up excluded because Roth catch-up is unavailable: $0.00

Important

Starts with the 2026 $24,500 elective-deferral limit, $72,000 annual-additions limit, $8,000 age-50 catch-up, and $11,250 age-60-to-63 catch-up. Future limits and the $150,000 Roth catch-up wage threshold grow only by the explicit 0% assumption. Contributions are spread evenly across 12 month-end deposits rather than receiving a full year of growth. Catch-up contributions are modeled outside the annual-additions limit. The TSP estimate applies the standard automatic 1% plus matching schedule through 5% of basic pay. Beginning with 2026, age-based catch-up contributions are assigned to the Roth bucket when projected prior-year FICA wages from this sponsor exceed the modeled threshold. If the plan is marked as not permitting Roth catch-up, that otherwise eligible catch-up is excluded rather than mislabeled as pre-tax. Plan terms, eligibility, vesting, payroll timing, Roth catch-up requirements, taxes, and fees can differ.

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How to use the TSP Calculator

Enter current balance, annual basic pay, employee contribution rate, age, prior-year FICA wages from the TSP sponsor, salary and future-limit growth, annual return, and years.

Review TSP contribution limits, Blended Retirement System or FERS rules, matching eligibility, vesting, fund allocation, tax treatment, and current fees.

Read projected balance, regular employee contributions, age-based contributions allocated to the required Roth bucket when applicable, agency contributions, and investment growth.

Formula

Regular employee deferral is capped at the modeled $24,500 limit, with eligible age catch-up separate. Agency contributions use automatic 1%, dollar-for-dollar on the first 3%, and 50 cents per dollar on the next 2%.

Example

On $80,000 basic pay, a 5% contribution equals $4,000 annually before pay-period timing and the applicable agency matching formula.

Assumptions and limitations

TSP Roth catch-up is modeled as available. For 2026, prior-year FICA wages from the sponsor above $150,000 route age-based catch-up contributions to Roth; actual payroll and eligibility records control.
TSP Calculator treats the entered values as estimates and does not infer missing project, account, or personal details.
Calculations retain working precision except where the cited method requires an intermediate rounding step; displayed values are then formatted separately. Source rules and dated rates must be rechecked when they change.

Sources

Thrift Savings Plan: How TSP Fits Into Your RetirementTSP contributions, agency matching, and participant rules. Reviewed 2026-08-14.
Internal Revenue Service: Retirement Topics: Catch-Up Contributions2026 age-based catch-up limits and the prior-year wage test for required Roth catch-up treatment. Reviewed 2026-08-14.
U.S. Securities and Exchange Commission: Compound Interest CalculatorCompound-growth inputs and future-value concepts. Reviewed 2026-08-14.
Thrift Savings Plan: How agency and service matching contributions workOfficial formula, rate, or program guidance used by this calculator. Reviewed 2026-08-14.

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Frequently asked questions

How does the TSP Calculator work?

What information should I enter in the TSP Calculator?

Enter current balance, annual basic pay, employee contribution rate, age, prior-year FICA wages from the TSP sponsor, salary and future-limit growth, annual return, and years, then verify TSP contribution limits, Blended Retirement System or FERS rules, matching eligibility, vesting, fund allocation, tax treatment, and current fees.

What should I verify before using this TSP Calculator result?

TSP Roth catch-up is modeled as available. For 2026, prior-year FICA wages from the sponsor above $150,000 route age-based catch-up contributions to Roth; actual payroll and eligibility records control.

Reviewed 2026-08-14 · 2026-monthly-retirement-projection-v4 · content-2026-08-14 · Trusty Calculator Editorial Team