TSP Retirement Calculator — Contributions, Match & Growth

How to use

1. Enter your age, planned retirement age and current TSP balance.
2. Add your annual base salary and contribution percentage.
3. Pick an expected annual return and raise rate — be conservative.
4. Read the projected balance and the decade-by-decade table.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

The Thrift Savings Plan is the strongest retirement deal in federal employment, and too many feds leave part of it on the table by not understanding the match. This calculator models it year by year: your contribution percentage on base pay, the automatic 1% agency contribution, dollar-for-dollar match up to 3%, and 50 cents on the dollar for the next 2% — which is why contributing 5% captures the full 5%. Your salary grows at the raise rate you pick, contributions compound at your assumed return, and a decade table shows the projected balance at each age milestone so you can watch compounding kick in. If contributions exceed the annual elective deferral limit the tool flags it, and catch-up contributions from age 50 are noted. It is an educational estimate, not professional advice — and no numbers leave your browser.

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