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Federal Employee TSP Calculator

v2.2 - 2026 Limits

Project your Thrift Savings Plan balance at retirement using actual TSP fund historical performance. Get personalized projections based on since-inception fund averages and current contribution limits including SECURE Act 2.0 enhancements.

Calculation Methodology

TSP Fund Returns: This calculator uses actual TSP fund historical performance based on since-inception averages from TSP.gov

  • • All returns reflect complete fund history since establishment
  • • Data sourced directly from official TSP fund performance reports
  • • Includes impact of TSP fund management and administrative costs
  • • Most comprehensive historical data available for long-term planning
  • • Updated for SECURE Act 2.0 enhanced catch-up contributions
  • • NEW: Includes diversification guidance for single fund allocations
TSP data last updated: 2026-01-01 ✓ Current

Your Information

Basic Information

Enter 0 for no salary growth, or typical federal raises (1-3%)

Current TSP Fund Balances

Lifecycle Funds (if applicable)

Future Contribution Strategy

Uncheck this if you want to change your future contribution allocation strategy

Important Assumptions

  • • Fund allocation percentages remain constant
  • • Returns based on TSP fund historical averages (since inception)
  • • Contributions made consistently until retirement
  • • No withdrawals or loans assumed
  • • Agency matching included (1% automatic + up to 4% matching)
  • • TSP contribution limits updated annually per IRS guidelines
  • • SECURE Act 2.0 enhanced catch-up contributions included
  • • Diversification guidance provided for single fund allocations

Want to Optimize Your Strategy?

Our educational consultation can help you model different allocation options, explore catch-up strategies including SECURE Act 2.0 enhancements, and understand how TSP fits into your complete federal retirement picture.

Complete Retirement Analysis

Get a comprehensive assessment of your entire federal retirement picture, including FERS pension, Social Security, TSP coordination strategies, and SECURE Act 2.0 planning opportunities.

Get TSP Optimization Tips

Receive our best federal employee retirement strategies, TSP updates, and SECURE Act 2.0 guidance.

Important Disclosures & Data Sources

Data Sources

TSP Fund Returns:
TSP.gov fund performance data (since inception averages)
Source: tsp.gov/fund-performance/
TSP Agency Matching Rules:
TSP.gov official policy documentation
Source: tsp.gov/making-contributions/contribution-types/agency-service-contributions/
TSP Contribution Limits:
TSP.gov and Internal Revenue Service including SECURE Act 2.0 provisions
Source: tsp.gov/making-contributions/contribution-limits/
Data last updated: 2026-01-01

Calculation Methodology

  • • Returns based on actual TSP fund historical performance (since inception averages)
  • • Dual-track return calculations for existing vs future contributions
  • • Monthly compounding for accurate TSP projections
  • • TSP matching based on official policy structure
  • • Annual salary increases applied consistently
  • • Catch-up contributions included for participants age 50+
  • • SECURE Act 2.0 enhanced catch-up contributions for ages 60-63
  • • Educational guidance for concentrated allocations

Important Disclaimers

Educational Purpose Only: This calculator is designed for educational purposes only and does not constitute investment, financial, or legal advice. All calculations are estimates based on historical TSP fund data and stated assumptions.

Performance Disclaimer: Past TSP fund performance does not guarantee future results. Actual investment returns may vary significantly from historical averages used in these projections.

TSP Fund Methodology: This calculator uses actual TSP fund historical performance data (since inception averages) which includes the impact of fund management fees and operational costs. Returns reflect real-world TSP account performance over each fund's complete history.

SECURE Act 2.0 Provisions: Enhanced catch-up contribution limits for ages 60-63 are based on current legislation and may be subject to change. Consult with tax professionals regarding specific implementation and benefits.

Diversification Guidance: Information about single fund concentration risks is provided for educational purposes. Individual allocation decisions remain with the participant based on personal circumstances and risk tolerance.

Professional Consultation: For personalized retirement planning advice, consult with a qualified financial advisor who understands federal employee benefits and SECURE Act 2.0 provisions.