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. To estimate your BRS pension and TSP savings together, enter your retirement age and pay base in the BRS calculator.
See model limitations