TSP Projection Calculator
Enter what you hold in the TSP today and how you want future contributions split across funds, then pick how far ahead to project.
Where to find these numbers: your TSP statement, pay statement, and tsp.gov
Everything this calculator asks for is on two documents you already get: your TSP statement (quarterly and annual, online, and in the mail if you still receive paper statements) and your Earnings and Leave Statement (LES), the pay statement your payroll office issues every pay period. Screen and field names vary by agency, so look for the descriptions below rather than exact labels.
Current balances (fund, amount, Roth)
- OnlineLog in to your account at tsp.gov and open your account balance details. They list each fund you hold and its balance, and they show what share of your whole account is Roth and what share is Traditional. They do not split each fund into Traditional and Roth.
- StatementYour TSP statement shows your balance in each fund and the same account-wide Roth and Traditional split, not a split for each fund.
- Enter one row per fund, with that fund's total balance. Then, in Roth % of balance, enter the share of your whole account that is Roth (for example, $30,000 of Roth in a $100,000 account is 30%); leave it blank if it is all Traditional. The TSP website shows this for the account as a whole, not fund by fund. If you hold money in the TSP Mutual Fund Window, choose Mutual Fund Window as the fund and enter the yearly return you want to assume (it starts at 6%). Use the latest balances you have; the projection starts from whatever you enter.
Annual salary
- LESYour pay statement shows your annual salary or annual rate of basic pay, including locality pay. Use that figure, not your year-to-date earnings, and leave out overtime and bonuses.
- SF-50Your latest Notification of Personnel Action (SF-50) shows the same figure as adjusted basic pay.
- W-2The Roth catch-up rule really uses last year's Social Security wages, box 3 of your W-2. This calculator uses your current salary instead; if the two are on different sides of $150,000, keep that in mind.
Traditional and Roth contributions
- LESThe deductions section shows a TSP line (Traditional) and a TSP Roth line with the amount taken from each paycheck; many agencies also show the percentage you elected. Enter the percentages with % of salary, or multiply each paycheck amount by 26 and use $ per year.
- OnlineYour election is set, and can be viewed, in your agency's payroll self-service system (for example Employee Express, myPay, or the NFC Employee Personal Page), not on tsp.gov.
- If you've already made contributions this year, the calculator still works a full year at your election; the year-to-date TSP totals on your LES help you see how close you are to the limit.
Future contribution allocation
- OnlineOn tsp.gov, your contribution allocation shows how new money is split across funds. It's separate from your current balances: moving existing money (an interfund transfer) doesn't change it.
- StatementYour TSP statement also lists your contribution allocation as of the statement date.
Agency contributions
- You don't enter these; the calculator works them out (FERS: 1% automatic plus up to 4% matching on your Traditional and Roth contributions, catch-up included). To check, your LES shows the agency automatic and agency matching amounts for each pay period, and your TSP statement shows agency contributions received.
Age
- Enter your age this year. Catch-up contributions start in the calendar year you turn 50, and the higher catch-up applies in the years you turn 60 through 63.
Current balances
One row per fund, with its total balance (Traditional and Roth together).
Enter the Roth share of your whole account today. The TSP website shows it for the account as a whole, not fund by fund, so this one percentage is applied to every fund above. It doesn't change your projected total. It only affects the Traditional and Roth split of the final balance, which is an estimate that assumes your Roth money is spread evenly across your funds. Leave it blank if everything is Traditional.
Contributions
Your own contributions, as a percent of salary or a dollar amount per year.
Contribute as
Total 5% of salary. Traditional and Roth are separate elections but share one limit.
Your 2026 limit is $24,500. Enter your age to see if catch-up applies.
2026 contribution limits
- $24,500 a year of your own contributions, Traditional and Roth combined. Agency contributions don't count toward it.
- Age 50 or older: up to $8,000 more in catch-up contributions.
- Ages 60 to 63: the catch-up rises to $11,250.
- If you earned more than $150,000 in the previous year, catch-up contributions must go in as Roth. This calculator uses your current salary for that test, since it doesn't ask for last year's wages.
Future contribution allocation
How new contributions are split across funds. Must add up to 100%.
Adds up to 100%
Enter your current age to use this.
Your inputs
- Current balance
- $0
- Traditional
- $0
- Roth
- $0
- Age
- —
- Salary
- $0
- Your contributions
- $0/yr
- Agency contributions
- $0/yr
- Future allocation
- 100%
- Horizon
- 20 years
Enter a balance or contributions to see your projected balance.
Projected balance by 2046
Your balances and contributions grown by replaying real TSP monthly returns 2,000 times.
Enter your balances or contributions to see a projection.
Contributions over 20 years
What goes in each year, starting from today's balances. Investment growth isn't included yet.
Enter your balances and salary to see contributions year by year.
Where your contributions go
One year of contributions at 2026 limits, applied paycheck by paycheck over 26 pay periods.
Enter your salary to see the breakdown.
FERSMATH
TSP Projection
Prepared October 17, 2026
fersmath.com/tsp/projection
fersmath.com/tsp/projection
Your inputs
| Current balance | Amount |
|---|---|
| None entered | |
| Total (Traditional $0 · Roth $0) | $0 |
| Roth share of current balance | None (all Traditional) |
| Future contribution allocation | C Fund 100% |
| Current age | Not entered |
| Annual salary | Not entered |
| Your contributions | 5% Traditional + 0% Roth of salary |
| Retire at | Not set |
| Projection horizon | 20 years (to 2046) |
| Amounts shown | Future dollars |
Projected balance by 2046 in future dollars
Enter balances or contributions to see a projection.
This year's contributions (2026)
| Contribution | Tax treatment | Per pay period | Per month | Per year |
|---|---|---|---|---|
| Yours | Traditional | $0 | $0 | $0 |
| Yours | Roth | $0 | $0 | $0 |
| Agency automatic (1%) | Traditional | $0 | $0 | $0 |
| Agency match | Traditional | $0 | $0 | $0 |
| Total going in | $0 | $0 | $0 | |
Year by year
| Year | Age | Put in that year | Total put in |
|---|---|---|---|
| 2026 | — | $0 | $0 |
| 2027 | — | $0 | $0 |
| 2028 | — | $0 | $0 |
| 2029 | — | $0 | $0 |
| 2030 | — | $0 | $0 |
| 2031 | — | $0 | $0 |
| 2032 | — | $0 | $0 |
| 2033 | — | $0 | $0 |
| 2034 | — | $0 | $0 |
| 2035 | — | $0 | $0 |
| 2036 | — | $0 | $0 |
| 2037 | — | $0 | $0 |
| 2038 | — | $0 | $0 |
| 2039 | — | $0 | $0 |
| 2040 | — | $0 | $0 |
| 2041 | — | $0 | $0 |
| 2042 | — | $0 | $0 |
| 2043 | — | $0 | $0 |
| 2044 | — | $0 | $0 |
| 2045 | — | $0 | $0 |
How this was calculated
- Contributions follow the 2026 IRS limits ($24,500 regular, plus catch-up from age 50), applied paycheck by paycheck over 26 pay periods, with FERS agency contributions (1% automatic plus up to 4% matching on your Traditional and Roth contributions, catch-up included). Salary and limits are held flat.
- Today's balances stay in their funds (no rebalancing); new contributions follow your allocation. No withdrawals are assumed.
- This is an educational estimate, not financial advice. Past returns don't guarantee future results. Check your figures with your TSP statement and agency HR.