TSP Calculator
Project your Thrift Savings Plan balance at retirement, including the agency match.
Frequently asked questions
How much does the agency match in the TSP?
The government adds 1% of your salary automatically, then matches 100% of the first 3% you contribute and 50% of the next 2% - so contributing 5% gets you the full 5% agency match, for 10% total going in.
How is TSP growth projected?
We grow your current balance plus each year's contributions (yours + the agency's) at your assumed annual return, compounding once per year until retirement.
What return should I assume?
It depends on your fund mix. The C and S stock funds have historically averaged roughly 7-10% over the long run; the G fund is much lower but stable. Use a conservative figure for planning.
Pair this with your FERS annuity estimate for the full federal retirement picture.
Source: TSP.gov. Estimate only - assumes a constant salary and return and ignores IRS contribution limits.