TSP Calculator 2026
Project your TSP balance at retirement with fund allocation analysis and contribution optimization.
Your TSP Information
2025 limits: $23,500 + $7,500 catch-up = $31,000
Fund Allocation
100% / 100%Your TSP Projection
Enter your TSP information and fund allocation, then click "Calculate" to see your projected balance at retirement.
Federal Employee Gold Bridge Strategy
While TSP offers excellent low-cost index funds, it lacks precious metals options. Federal employees should consider diversifying beyond TSP and FERS with a Gold IRA for inflation protection. After separation or at age 59 1/2 while employed, you can roll TSP funds into a self-directed Gold IRA.
TSP Fund Options
G Fund
Government Securities Investment Fund
Invests in special Treasury securities. Lowest risk, lowest return. Good for capital preservation.
F Fund
Fixed Income Index Investment Fund
Tracks the Bloomberg U.S. Aggregate Bond Index. Moderate risk with bond market exposure.
C Fund
Common Stock Index Investment Fund
Tracks the S&P 500 Index. Large-cap U.S. stocks with higher growth potential.
S Fund
Small Cap Stock Index Investment Fund
Tracks the Dow Jones U.S. Completion TSM Index. Small and mid-cap stocks not in the S&P 500.
I Fund
International Stock Index Investment Fund
Tracks the MSCI EAFE Index. International developed market stocks for global diversification.
L Funds (Lifecycle)
Target-Date Retirement Funds
Automatically balanced funds that shift to conservative as your target retirement date approaches.
2026 TSP Limits
Agency Matching
1% Automatic
You get this even if you contribute $0
3% Dollar-for-Dollar Match
Agency matches 100% of your first 3%
2% Half Match
Agency matches 50% of your next 2%
Bottom line: Contribute at least 5% to get the full 5% agency contribution (4% match + 1% auto).
TSP Rollover Options
After Separation
Once you leave federal service, you have full control over your TSP funds:
- Roll over to Traditional IRA
- Roll over to Roth IRA (taxes apply)
- Roll over to Self-Directed Gold IRA
- Leave in TSP (no minimum balance)
While Still Employed
Limited options while working, but still possible at age 59 1/2:
- Age-based withdrawal (59 1/2+)
- Can be rolled to IRA or Gold IRA
- Only one age-based withdrawal allowed
- Hardship withdrawals for financial emergencies
Why Consider a Gold IRA Rollover?
TSP offers excellent low-cost index funds, but it lacks precious metals options. Rolling a portion of your TSP into a Gold IRA provides true asset diversification and inflation protection that stock and bond funds alone cannot offer.
TSP Frequently Asked Questions
What are the TSP contribution limits for 2026?▼
The 2026 TSP contribution limit is $23,500. If you're age 50 or older, you can contribute an additional $7,500 in catch-up contributions for a total of $31,000.
How much should I contribute to TSP?▼
At minimum, contribute 5% to get the full employer match (that's free money!). Ideally, aim to contribute 15-20% of your salary if your budget allows. Maxing out at $23,500 (or $31,000 with catch-up) provides the best tax-advantaged savings.
Should I choose Traditional or Roth TSP?▼
Traditional TSP reduces your taxable income now but is taxed at withdrawal. Roth TSP is taxed now but grows tax-free. Generally, Roth is better if you expect higher taxes in retirement. Many experts recommend contributing to both for tax diversification.
Can I change my TSP allocation?▼
Yes, you can change your fund allocation at any time through TSP.gov. Interfund transfers (moving existing balances between funds) and contribution allocations (directing future contributions) can be adjusted separately.
What happens to my TSP if I leave federal service?▼
Your TSP remains yours regardless of employment. You can leave it in TSP, roll it to an IRA or new employer's plan, or take distributions (with potential penalties if under 59½). There's no minimum balance requirement to keep it in TSP.
Important Disclaimer
This calculator provides estimates based on historical fund performance and your inputs. Actual returns will vary and past performance does not guarantee future results. Contribution limits are subject to annual IRS adjustments. This is not financial advice. Consult a qualified financial advisor for your specific situation.
25+ Years of Federal Service. Protect It.
Your TSP can lose 40% in a crash. Federal employees at 59.5 can roll into a Gold IRA - protecting decades of contributions from market chaos. No job change required.