Roth TSP projection calculator
Project Roth and Traditional TSP balances.
- Rule snapshot
- Reviewed
- Primary sources
- TSP, IRS and OPM 2026 rules
- Privacy
- Inputs stay in this browser — no TSP account login
Your projection will appear here.
What the projection separates
One return applies to every source. Tax labels and deposit ownership stay distinct.
- 01
Roth employee money
The current Roth balance and future employee election grow as one Roth source.
- 02
Traditional agency money
Eligible automatic and matching contributions enter the Traditional source by pay period.
- 03
Nominal and today-dollar totals
The result shows the entered-return balance and an inflation-adjusted planning value.
Deciding between tax treatments? Compare equal employee deposits or equal current take-home cost.
Compare Roth vs. Traditional TSPRoth TSP projection FAQ
Are FERS agency contributions deposited as Roth TSP money?
No. TSP says Agency Automatic (1%) and matching contributions enter the Traditional balance, even when the employee contribution is Roth. This projection keeps those agency dollars in the Traditional result.
Do Roth and Traditional TSP contributions share one limit?
Yes. Roth and Traditional employee contributions share the annual elective-deferral and age-based catch-up limits. For 2026, the regular employee limit is $24,500, with separate catch-up amounts when eligible.
Is the projected Roth balance tax-free at withdrawal?
Not automatically. IRS qualified-distribution rules generally require the designated Roth account's five-tax-year period and a distribution after age 59½, disability, or death. This calculator projects balances and does not determine whether a future withdrawal is qualified.
How is this different from the Roth versus Traditional calculator?
This page follows one Roth employee election and projects Roth and Traditional account sources over time. The comparison calculator tests Roth against Traditional using current take-home cost and future withdrawal-tax assumptions.
Does FedUp.work receive my TSP balances or salary?
No. The projection runs in your browser and does not connect to your TSP account, payroll office, IRS, OPM, or FedUp.work account data.
Primary sources
- TSP contribution limitsAnnual employee and catch-up limit guidance.
- TSP contribution typesAgency Automatic (1%) and matching formulas.
- TSP Traditional and Roth contributionsTax-source treatment and combined employee limits.
- IRS designated Roth account guidanceQualified and nonqualified distribution rules.
- IRS Notice 2025-67Official 2026 elective-deferral and catch-up limits.
- OPM Benefits Administration Letter 26-1012026 Roth catch-up payroll treatment.
For contribution pacing and general account growth, use the TSP growth and match calculator.