TSP Calculator
Explore how contributions, matching and your return assumption affect a projected balance.
Your savings assumptions
Traditional balance is before withdrawal taxes. 2026 IRS limits are held constant in future years. The default 6% return is an illustrative scenario. Contributions are added at year-end.
Your projected balance
Assumption-based30 years · Traditional contributions
- Your contributions
- $121,704
- Government contributions
- $81,897
- Automatic 1% / matching
- $16,379 / $65,518
- Growth + starting balance
- $480,854
Not affiliated with the U.S. Department of Defense, DFAS, or any military service. Figures are for information only — your LES is the authoritative source.
View year-by-year projection
| Age | Your contribution | Automatic 1% | Matching | Roth catch-up | Growth | Ending balance |
|---|---|---|---|---|---|---|
| 31 | $3,000 | $600 | $2,400 | $0 | $1,500 | $32,500 |
| 32 | $3,060 | $612 | $2,448 | $0 | $1,950 | $40,570 |
| 33 | $3,121 | $624 | $2,497 | $0 | $2,434 | $49,247 |
| 34 | $3,184 | $637 | $2,547 | $0 | $2,955 | $58,569 |
| 35 | $3,247 | $649 | $2,598 | $0 | $3,514 | $68,577 |
| 36 | $3,312 | $662 | $2,650 | $0 | $4,115 | $79,316 |
| 37 | $3,378 | $676 | $2,703 | $0 | $4,759 | $90,832 |
| 38 | $3,446 | $689 | $2,757 | $0 | $5,450 | $103,175 |
| 39 | $3,515 | $703 | $2,812 | $0 | $6,190 | $116,395 |
| 40 | $3,585 | $717 | $2,868 | $0 | $6,984 | $130,549 |
| 41 | $3,657 | $731 | $2,926 | $0 | $7,833 | $145,696 |
| 42 | $3,730 | $746 | $2,984 | $0 | $8,742 | $161,898 |
| 43 | $3,805 | $761 | $3,044 | $0 | $9,714 | $179,221 |
| 44 | $3,881 | $776 | $3,105 | $0 | $10,753 | $197,736 |
| 45 | $3,958 | $792 | $3,167 | $0 | $11,864 | $217,517 |
| 46 | $4,038 | $808 | $3,230 | $0 | $13,051 | $238,644 |
| 47 | $4,118 | $824 | $3,295 | $0 | $14,319 | $261,199 |
| 48 | $4,201 | $840 | $3,361 | $0 | $15,672 | $285,272 |
| 49 | $4,285 | $857 | $3,428 | $0 | $17,116 | $310,958 |
| 50 | $4,370 | $874 | $3,496 | $0 | $18,658 | $338,357 |
| 51 | $4,458 | $892 | $3,566 | $0 | $20,301 | $367,574 |
| 52 | $4,547 | $909 | $3,638 | $0 | $22,054 | $398,722 |
| 53 | $4,638 | $0 | $0 | $0 | $23,923 | $427,283 |
| 54 | $4,731 | $0 | $0 | $0 | $25,637 | $457,651 |
| 55 | $4,825 | $0 | $0 | $0 | $27,459 | $489,936 |
| 56 | $4,922 | $0 | $0 | $0 | $29,396 | $524,254 |
| 57 | $5,020 | $0 | $0 | $0 | $31,455 | $560,729 |
| 58 | $5,121 | $0 | $0 | $0 | $33,644 | $599,493 |
| 59 | $5,223 | $0 | $0 | $0 | $35,970 | $640,686 |
| 60 | $5,328 | $0 | $0 | $0 | $38,441 | $684,455 |
An assumption is not a promise.
The selected annual return applies to the opening balance; contributions arrive at year-end. BRS includes an automatic 1% after 60 days, matching after two service years, and contributions through 26 service years. FERS includes 1% automatic plus matching; legacy military retirement has no government TSP contribution. Actual pay-period timing, vesting and future IRS changes can alter results.
See model limitations