TSP Calculator
Project a federal Thrift Savings Plan nest egg from today’s balance, your annual employee deferral, agency/match dollars, years to grow, and an assumed return. Click any i for detail.
TSP growth inputs
Current TSP balance ($)
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Current balance
What is in your TSP today before new deferrals. |
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Annual employee contribution ($)
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Employee contribution
Your elective deferral for a typical year (traditional and/or Roth TSP combined for this sketch). |
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Annual agency / match ($)
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Agency / match
Automatic 1% and matching agency contributions you expect each year. Enter 0 if none. |
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Years to grow
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Years
Years until you expect to stop this contribution pattern (often years to retirement). |
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Expected return (%)
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Expected return
Average annual investment return assumption after fees (C/S/I fund mix, etc.). |
How to use this calculator
- Enter today’s TSP balance.
- Add your planned annual employee deferral and agency/match dollars.
- Set years and expected return.
- Read the projected nest egg and contribution vs growth split.
Results explained
The headline is a future TSP balance sketch: starting balance plus monthly-equivalent employee and agency contributions growing at your assumed return. FERS annuity and RMDs are not modeled.
Quick reference: TSP nest egg
Transparent planning assumptions for federal retirement savings.
| Item | Detail |
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| Monthly add | (Employee + agency annual) ÷ 12 |
| Growth | Balance compounds monthly from assumed annual return |
| Not modeled | IRS limits, L fund glide, loans, RMDs, G-fund specifics |
Pair with the FERS retirement calculator for annuity sketches, or compare workplace plans with the 403(b) calculator.
How the estimate is built
Each month: balance grows by the equivalent monthly rate from your return %, then employee + agency monthly add is applied. Repeat for years × 12 months (same nestEgg403b helper used for 403(b) sketches).
Example scenario
$55,000 balance, $12,000 employee + $4,500 agency per year, 6% return for 20 years projects well into six figures — change the return ±1% to see sensitivity.
FAQ
Is TSP like a 401(k)?
TSP is the federal government’s defined-contribution plan with similar deferral and growth ideas, plus unique fund lineup (G, F, C, S, I, L funds).
Does this include the agency match?
Yes — enter annual agency automatic and matching dollars separately from your employee deferral.
Traditional vs Roth TSP?
This page sketches total nest-egg growth. Tax treatment on withdrawal differs; it does not split traditional vs Roth balances.
Are contribution limits modeled?
No. Elective deferral limits change by year — confirm with payroll and TSP.