What is the TSP contribution limit for 2025?

The 2025 TSP elective deferral limit is $23,000 for regular contributions, plus $7,500 catch-up contributions if you're 50 or older, for a total of $30,500.

Does the military match TSP contributions?

Yes, the Blended Retirement System (BRS) provides automatic 1% contribution plus matching up to 4% of basic pay. You must contribute at least 5% to receive the full 5% match.

Which TSP funds should I invest in?

The L Funds (lifecycle funds) provide automatic diversification. For young service members, L 2060 or L 2065 offer aggressive growth. As you near retirement, choose funds closer to your retirement year for more conservative allocation.

Free Tool

TSP Calculator

Model fund allocations and project your retirement growth using official TSP historical data.

TSP Historical Performance Data

This calculator uses 10-year average returns (2013-2023) from official TSP fund performance data. Past performance does not guarantee future results.

Data Source

TSP.gov Performance

Time Period

10-Year Avg (2013-2023)

Confidence

Historical Data

Your TSP Information

Current Age

Retirement Age

Current Balance

Monthly Contribution

Years to retirement: 30 years | BRS Tip: Contribute at least 5% to get full DoD matching

Your Custom Allocation

C Fund

S&P 500

40%

10-yr avg: 11.45%

S Fund

Small/Mid Cap

30%

10-yr avg: 9.82%

I Fund

International

15%

10-yr avg: 5.13%

F Fund

Bonds

10%

10-yr avg: 0.63%

G Fund

Gov Securities

10-yr avg: 2.18%

Total Allocation:100%

Retirement Projection (30 Years)

Default Lifecycle L2050

$1,135,535

Avg Return: 7.47% annually

Your Custom Allocation

$1,448,366

Avg Return: 8.47% annually

Potential Gain

+$312,831

vs. Default L2050 Lifecycle Fund

Important Disclaimer

This calculator uses historical averages for educational purposes only. Past performance does not guarantee future results. Actual TSP returns will vary based on market conditions. Consider your risk tolerance, time horizon, and financial goals. Consult with a financial advisor for personalized guidance.