TSP Calculator

2026 rules

Project your TSP balance with agency contributions, pay raises and your contribution rate.

Your numbers

Current TSP balance

Basic pay

Your contribution (% of pay)

FERS or BRS member (gets agency matching)

Years until you stop contributing

Yearly return

The C Fund has averaged about 10%, the G Fund about 3-4%, over long periods.

Yearly pay raise

Your age now

Result

TSP balance when you stop contributing$633,296

Your contributions$103,264
Agency automatic + matching$103,264
Agency rate at your contribution5%
Ending balance$633,296
Monthly income at a 4% withdrawal$2,111

Year by year

Age	You	Agency	Balance
41	$4,250	$4,250	$93,555
42	$4,335	$4,335	$108,098
43	$4,422	$4,422	$123,693
44	$4,510	$4,510	$140,405
45	$4,600	$4,600	$158,306
50	$5,079	$5,079	$268,432
55	$5,608	$5,608	$421,694
60	$6,191	$6,191	$633,296

How it works

FERS and BRS members get an automatic 1% of basic pay from the agency, plus a match: dollar for dollar on the first 3% you contribute and 50 cents on the dollar on the next 2%. Contributing 5% gets the full 5% from the agency.

The 2026 employee limit is $24,500, plus $8,000 at 50 or older, or $11,250 at 60 to 63. Agency contributions don't count against it.

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

Questions

Which TSP fund should I use?

That depends on how long until you need the money and how much risk you can take. The L Funds mix the others by target date.

Do high earners have to make catch-ups as Roth?

From 2026, if your prior-year FICA wages were over $150,000, catch-up contributions must go into the Roth TSP.