How to use this calculator
This TSP calculator is a transparent savings projection. It combines your employee and employer or agency contribution amounts, applies a user-selected effective annual return through monthly compounding, and separates starting funds and deposits from growth. The account label provides context, not a complete simulation of plan law.
The method
Enter the values in the labeled fields, check the units or selected mode, and choose Calculate. The result includes the applicable working and a breakdown or visual when useful. Change an input and calculate again to update the result.
Current balance ($): 25000 Employee contribution per month ($): 500 Employer / agency contribution per month ($): 150 Assumed annual effective return (%): 5 Years of contributions: 20
TSP hypothetical balance: $330,105.36
A savings scenario, not a contribution-eligibility calculation.
Scope and limitations
No contribution limits, catch-up rules, eligibility, vesting, tax savings, fees, withdrawals, or matching eligibility are checked. Enter amounts permitted by your actual plan and verify current rules with the official provider. The result is not a guaranteed retirement benefit.
Common questions
Does this check how much I am legally allowed to contribute?
No. Annual limits and plan-specific rules are not enforced. Use current official guidance before setting contributions.
Is the employer or agency contribution automatic?
No. You enter a monthly dollar amount. The calculator does not infer a match from salary or eligibility.
References & further reading
External references provide background, not an endorsement of this implementation. See our methodology for numerical conventions and limitations.