TSP Retirement Calculator

Estimate your TSP balance at retirement based on your current savings, contributions, and fund selection. Rates shown are historical averages — actual returns will vary.

Your Information

Current Age

Retirement Age

Current TSP Balance ($)

Your Annual Contribution ($)

2026 IRS limit: $23,500 (age 50+: $31,000)

Agency/Employer Match ($/yr)

FERS employees typically receive up to 5% match

Expected Annual Return (%)

Historical averages: G Fund ~3.5%, C Fund ~10.2%, balanced ~7%

Projected Balance at 62

$2.54M

in 27 years

Investment Growth

$1.74M

earned on top of contributions

Total Contributions

$806K

starting balance + deposits

Assumed Return

7%/yr

your expected annual rate

Balance Over Time

Age 38

$158K

Age 41

$289K

Age 44

$451K

Age 47

$649K

Age 50

$891K

Age 53

$1.19M

Age 56

$1.55M

Age 59

$2.00M

Age 62

$2.54M

This calculator uses historical average annual returns as estimates. Actual TSP fund performance will vary year to year. This is not financial advice. We are not affiliated with the TSP, tsp.gov, or any U.S. government agency. Consider consulting a financial advisor for personalized retirement planning.