TSP Contribution Optimizer

Project your TSP balance at separation and see the compounding impact of contributing 1–3% more — including the BRS government match.

⚠ Educational Information Only. This content provides general educational information based on verified government sources. It is not financial, legal, or tax advice. Your situation is unique — please consult a licensed professional before making any decisions. Find a Trusted Professional →

Annual basic pay$Current contribution%Years until separation/retirementCurrent TSP balance$Expected annual return%

I'm under the Blended Retirement System (BRS)

Projected balance at retirement

At your current 5%$342,715

If you contributed 6% (+1%)$367,312 (+$24,597)

If you contributed 7% (+2%)$391,910 (+$49,195)

If you contributed 8% (+3%)$416,507 (+$73,792)

Projection assumes constant salary, constant return, annual compounding, and government contributions per the published BRS match schedule at tsp.gov. Traditional vs. Roth tax treatment differs — the projection is pre-tax-neutral.

Sources: Contribution limits and BRS match schedule per TSP.gov and IRS.gov.

This calculation is for educational planning purposes only. Results depend on your specific situation. Find a Professional →