TSP Retirement Calculator
Use our TSP Retirement Calculator to estimate your future retirement savings from the Thrift Savings Plan based on contributions, growth rate, and years to retirement.
TSP Retirement Calculator
Plan your federal retirement smartly using our free tool — designed for simplicity, accuracy, and peace of mind.
This online retirement calculator is tailored for federal employees and military personnel enrolled in the Thrift Savings Plan. It helps forecast account growth based on contributions, returns, and years to retirement.
What Does This Tool Do?
It calculates future value using your current TSP balance, contribution rate (with employer match), and projected return rate. Whether you’re under FERS or CSRS, this is ideal for retirement preparation.
How to Use the TSP Estimator
- Input your current balance.
- Set contribution amount and expected matching.
- Choose an estimated annual return rate.
- Select your retirement horizon in years.
- Get an instant projection of your final amount.
Why Plan with TSP Tools?
Having clarity about retirement savings can boost confidence and financial security. This tool shows how small tweaks in savings rate or investment returns can make a big difference over time.
Features of This Calculator
- ✅ Projects future savings accurately
- ✅ Accounts for agency matching
- ✅ Optimized for phones, tablets, and desktops
- ✅ No login or fees required
- ✅ Instant results, no waiting
How Contributions Work
Employees can contribute pre-tax or Roth dollars to their TSP. Matching is available under FERS up to 5%. This calculator includes those contributions in its growth forecast.
Example Growth Scenario
With a monthly deposit of $500 and 7% return over 30 years, your investment can grow beyond $600,000. That’s the power of long-term compounding.
Frequently Asked Questions
What’s the TSP annual limit?
As of 2025, participants can contribute up to $23,000. Those aged 50+ can make an extra $7,500 catch-up contribution.
Can I pause or change my contributions?
Yes, adjustments are allowed anytime through payroll or myPay system. Regular increases help reach long-term goals faster.
What happens after retirement?
You can leave your savings in TSP, roll them over, or take periodic distributions. The tool helps visualize post-retirement options.
More Retirement Resources
Use this TSP Retirement Calculator today to start mapping your future. Take control, plan early, and enjoy a more secure tomorrow.