TSP Contribution Calculator

Calculate your projected Thrift Savings Plan balance including government matching under the Blended Retirement System (BRS). Uses 2026 IRS contribution limits from TSP.gov.

Military

Monthly Base Pay: $3,000

E-4 with 4 YOS: ~$2,844/mo. E-7 with 10 YOS: ~$4,739/mo (2026 DFAS).

Your Contribution: 5%

Contribute at least 5% to get the full government match.

Current TSP Balance: $0

Years to Project: 10

Your Age: 28

Expected Annual Return: 7%

TSP C Fund (S&P 500 index) 10-year avg: ~12.6%. L 2050 Fund: ~9.5%.

Enrolled in BRS (Blended Retirement System)?

All service members who joined on or after January 1, 2018 are automatically enrolled in BRS. Those who joined before that date and did not opt in are on the legacy system with no government TSP match.

Projected TSP Balance

$51,925

Your Contributions

$18,000

Govt Contributions

$18,000

Investment Growth

$15,925

Est. Monthly Income

$173/mo

Source: TSP.gov (2026 limits). BRS matching per 37 U.S.C. § 354. Monthly income uses 4% safe withdrawal rate (Bengen, 1994).