Recent Calculations
The Thrift Savings Plan (TSP) is one of the most powerful retirement tools available to Federal employees and members of the uniformed services. It offers two key advantages: your contributions and earnings grow tax-deferred, meaning you pay no taxes until you withdraw the money - and your agency matches a portion of what you contribute, accelerating your savings from day one. Together, these benefits make the TSP a retirement opportunity you cannot afford to pass up.
This is the percentage of your annual salary you contribute to your TSP plan each year.
This is your annual salary from before taxes and other benefit deductions. Since your contribution and company match are based on the salary paid to you through your employing government agency, do not include any income you may receive from other sources.
Your total contribution for one year is based on your annual salary times the percent you contribute. However, your annual contribution to your TSP account is also subject to certain maximum total contributions per year. **401K_ANNUAL_LIMITS** **CATCHUP_CONTRIBUTION_NOTES** Agency contributions do not affect an employee's maximum annual contribution limit.
It is important to note that some employees are subject to another form of contribution limitations. Employees classified as 'Highly Compensated' may be subject to contribution limits based on their agency's overall TSP participation. **401k_HIGHLY_COMPENSATED**
Su edad actual.
Age you wish to retire. This calculator assumes that the year you retire, you do not make any contributions to your TSP. For example, if you retire at age 65, your last contribution occurs when you are actually 64.
The starting balance or current amount you have invested or saved in your TSP.
The annual rate of return for your TSP account. This calculator assumes that your return is compounded annually and your deposits are made monthly. La tasa de rendimiento real depende en gran medida de los tipos de inversiones que elija. El índice Standard & Poor's 500® (S&P 500®) durante los últimos 10 años que finalizaron el 31 de diciembre de 2025, tuvo una tasa de rendimiento compuesta anual de 14.8 %, con la reinversión de dividendos. Desde el 1 de enero de 1970 hasta el 31 de diciembre de 2025, la tasa de rendimiento compuesta anual promedio del S&P 500®, con la reinversión de dividendos, fue aproximadamente del 11.3 % (fuente: www.spglobal.com). Desde 1970, el rendimiento más alto a 12 meses fue del 61 % (desde junio de 1982 hasta junio de 1983). El rendimiento más bajo a 12 meses fue del -43 % (desde marzo de 2008 hasta marzo de 2009). Las cuentas de ahorro en una institución financiera pagan menos, pero conllevan un riesgo significativamente menor de pérdida de saldos de capital.
Es fundamental tener en cuenta que estos escenarios son meramente hipotéticos y que las tasas de rendimiento futuras no pueden preverse con certeza. Además, las inversiones que ofrecen tasas de rendimiento más altas suelen estar expuestas a un mayor riesgo y volatilidad. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido. No es posible invertir directamente en un índice y la tasa de rendimiento compuesta mencionada anteriormente no incluye los cargos por ventas ni otras tarifas que imponen los fondos de inversión o las empresas de inversión.
The annual percentage you expect your salary to increase. The tool assumes that your salary will continue to increase at this rate until you retire.
Federal agencies automatically contribute 1% of your basic pay to your TSP each pay period, regardless of whether you contribute anything yourself.
On top of that, if you contribute to your TSP, the agency matches your contributions on the first 5% of basic pay you put in — dollar-for-dollar on the first 3%, and 50 cents on the dollar for the next 2%.
Example: An employee earning $1,000 per paycheck who contributes 10% ($100):
A few things to keep in mind: agency contributions don't count against your annual IRS contribution limit. Matching contributions are generally subject to a two-year vesting schedule under the Blended Retirement System (BRS) â€" check your plan details for specifics.