Project your Thrift Savings Plan balance with the full agency contribution, see what it actually pays you every month in retirement, and find out whether the money belongs in the plan or outside it.
Agency contribution uses the FERS tiers — 1% automatic, 100% on your first 3%, 50% on the next 2%. Results closely match OPM's Federal Ballpark Estimator and may vary slightly due to rounding. Want numbers based on your exact situation? Book a free 30-minute review →
| Age | Your Contribution | Agency Contribution | Total Added | Balance (end of year) |
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Enter your information and we'll send you a personalized TSP Retirement Summary including your balance projection, the agency contribution breakdown, your withdrawal figures, and a rollover strategy overview.
Money that leaves the TSP cannot come back. This weighs both directions.
Bring the numbers from the other tabs. We'll run them against your actual pension, Social Security timing, and tax brackets.
FERS pays an automatic 1% of salary whether you contribute or not, then matches dollar-for-dollar on your first 3% and 50¢ on the next 2% — 5% total once you contribute 5%. Contribute 3% and you get 4%, not 5%. Every rate below 5% forfeits money you cannot go back and claim.
Since January 2026 the TSP allows in-plan Roth conversions — you can convert traditional dollars without leaving the plan, up to 26 times a year. Converting no longer requires a rollover. What the plan still can't offer is a guaranteed income floor under those converted dollars, which is a separate decision from the tax one.
Every dollar in traditional TSP becomes a Required Minimum Distribution at 73 (75 if you were born in 1960 or later). Stacked on your FERS pension and Social Security, TSP RMDs can push you into a higher bracket — and trigger IRMAA Medicare surcharges. Conversions before then are the lever.