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

• Calculate the growth of your future contributions and earnings
• Calculate the growth of the money already in your account

INSTRUCTIONS

Enter the requested information in the boxes below. Use your Mouse or the Tab key to move from box to box. To change an entry, backspace or use the Delete key. 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 [1] CSRS  Uniformed Services
Enter a whole percentage [2] that you wish to save: % from your annual pay of: $
Enter the dollar amount [3] that you plan to contribute each year in catch-up contributions (only for participants who are age 50 or older): $
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.)

1. You may begin contributing to the TSP (through payroll contributions) when you are hired.  However, new FERS employees must serve a waiting period before agency contributions begin.  (For more information on eligibility for agency contributions, see "Participating in the TSP" in TSP Features (for civilians or uniformed services).

2. 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.

3. The amount you can contribute to the TSP in catch-up contributions is also limited by the IRS.  Do not enter a dollar amount that will result in an amount exceeding the IRS limit.  These limits change each year.