BRS Calculator

2026 rules

Project your Blended Retirement System pension and TSP together.

Your numbers

Years of service at retirement

High-36 basic pay (yearly)

Basic pay now

Your TSP contribution (% of basic pay)

Years served so far

TSP yearly return

Yearly pay growth

Result

BRS retired pay per year$28,800

BRS pension (2.0% × years × High-36)$28,800
Legacy High-36 would pay (2.5%)$36,000
Pension difference per year-$7,200
TSP at retirement (with 1% auto + up to 4% match)$172,786
TSP income at 4% a year$6,911
BRS total yearly income$35,711

Matching starts after 2 years of service and the automatic 1% after 60 days. Continuation pay at 8-12 years is not included.

How it works

BRS pays a smaller pension than the legacy system (2.0% per year instead of 2.5%) but adds TSP contributions. You get 1% of basic pay automatically from 60 days, and a match of up to 4% from your third year through 26 years of service.

To get the full match, contribute at least 5%. Members who leave before 20 years keep the TSP money, which the legacy system didn't offer.

2026 figures: OPM FERS computation; TSP loans; IRS Notice 2025-67 (2026 retirement plan limits).

Questions

Can I still switch to BRS?

The opt-in window closed in 2018. Members who joined after 2017 are in BRS automatically.

What is continuation pay?

A one-time cash bonus between 8 and 12 years of service in exchange for serving longer. It isn't included here.