TSP
Your Thrift Savings Plan: the agency match, contribution limits, and withdrawal choices.
Last updated November 12, 2026
Federal match: what your agency puts in
- Automatic 1% of basic pay, even if you contribute nothing
- Dollar-for-dollar on the first 3% you contribute
- 50 cents per dollar on the next 2%
- Contribute at least 5% to get the full 5% total from your agency
2027 TSP limits
$25,500 elective deferral limit, $8,500 catch-up for age 50+, and $11,750 for ages 60 to 63. The Roth catch-up wage threshold is $155,000 (IRS, Nov 12, 2026). Confirm current limits at tsp.gov.
Funds
G, F, C, S, I and the L (Lifecycle) funds, with traditional (pre-tax) and Roth balances.
Withdrawals in retirement
Installments, a TSP annuity, partial withdrawals, or rollovers. Each one has different tax and flexibility trade-offs.
How to log in to My Account
Go to tsp.gov and sign in with Login.gov. FERS Consulting never asks for your TSP login.