Return to TSP Calculator Introduction Calculators
Projecting Your Account Balance


Estimate the growth of your TSP account by doing one or both of the following:

INSTRUCTIONS

1.  Enter the requested information in the boxes below.
2.  Use your mouse or the Tab key to move from box to box.
3.  To change an entry, backspace or use the Delete key.
4.  Once you have entered the figures you want to estimate, scroll down and click 
      the Calculate button.

Note: The FERS calculation of the growth of your future contributions and earnings includes the effect of Agency Automatic (1%) and Matching Contributions.  Therefore, if you are a newly hired FERS employee participating in the TSP but not yet eligible for agency contributions, the estimated growth of your future contributions and earnings will be overstated because of the period during which you receive no agency contributions.  You may wish to recalculate your projections once you become eligible.  For CSRS employees and members of the uniformed services, the calculation of the growth of your future contributions and earnings does not add any agency or service contributions.

Growth of Your Future Contributions and Earnings

Select your retirement system:  FERS*   CSRS  Uniformed Services
Enter a whole percentage** that you wish to save: %; 
from your annual pay of: $
Enter the number of years you plan to contribute:
Enter (as a whole percent) the annual rate of return you expect your investment to earn: %
(Future rates may not replicate historical rates of return.)

Growth of Your Existing Account

Enter the amount you already have in your TSP account: $
Enter the number of years that you expect to leave that money in the TSP:
Enter (as a whole percent) the annual rate of return you expect your account to earn: %
(Future rates may not replicate historical rates of return.)

 *   You may begin contributing to the TSP (through payroll contributions) when you are hired.  However, agency contributions for new FERS employees do not begin until the second open season after your FERS appointment begins.  (For more information on eligibility for agency or service contributions, see "Participating in the TSP" in TSP Features (for civilians or uniformed services). 

**  In addition to the percentage contribution limits in the contribution limits chart, the maximum amount of your own basic pay that you can contribute to the TSP is also limited by the IRS.  Do not enter a percentage that will result in an amount exceeding the IRS annual limit.  TSP employee contribution limits and IRS limits will increase each year.

TSP: General, Page Footer, 2004-05-24

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