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TSP Growth Projector

Estimate your Thrift Savings Plan balance at retirement — including the agency match — and see how much your contributions, the match, and growth each contribute. Private by design: every calculation happens on your device.

🔒 Everything is calculated on your device. Nothing you enter is sent, saved, or tracked.

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Used for the agency match and percent-based contributions.

Your contribution
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An assumption, not a guarantee — returns vary and can be negative.

Advanced assumptions
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The IRS indexes contribution limits to inflation, so they grow over time. Future values are unknown — this is an assumption (default 2%/yr).

Off by default. When on, in any year you contribute more per pay period than the cap allows, you lose match in the pay periods after you hit the limit (you keep the automatic 1%).

Projected balance at retirement

Balance over time
Year-by-year detail
Age Salary You Agency Balance
How this works

The agency match (FERS). On top of your own contributions, your agency adds:

  • 1% automatic — always, even if you contribute nothing.
  • Dollar-for-dollar on the first 3% of pay you contribute.
  • 50¢ per dollar on the next 2% (from 3% to 5%).

So agency money tops out at 5% of salary once you contribute at least 5%. Contributing less than 5% leaves free money on the table.

2026 contribution limits. Your own contributions are capped at $24,500 (under 50), $32,500 (ages 50–59 or 64+), or $35,750 (ages 60–63, "super catch-up"). These start at 2026 values and are assumed to grow about 2%/yr over the projection (the IRS indexes them to inflation; actual future limits will differ). To get the full match, spread contributions across all 26 pay periods — hitting the cap early can cost you match for the rest of the year.

Timing: contributions are assumed mid-year (they earn half a year of return); existing balance earns a full year. This models new growth only on top of your current balance.

References: tsp.gov · Contribution limits.