2026 TSP contribution limit
Plan remaining 2026 TSP deductions using the official limit.
How the plan is built
- Rule snapshot
- Reviewed
- Primary sources
- IRS Notice 2025-67 and TSP rules
- Privacy
- Runs in your browser
The planner selects the official limit for your calendar-year age, subtracts employee deferrals already made, and rounds the repeated payroll election up to a whole dollar.
The last positive deduction is reduced when needed so the schedule ends at—not above—the limit. Payroll timing and agency records remain authoritative.
2026 TSP limit FAQ
What is the 2026 TSP contribution limit?
The ordinary employee elective-deferral limit is $24,500. Participants age 50 or older may have catch-up capacity; the 2026 catch-up amount is $11,250 for ages 60 through 63 and $8,000 for other eligible participants age 50 or older.
Do agency contributions count against this employee limit?
No. The employee elective-deferral limit applies to Traditional and Roth employee contributions combined. Agency automatic and matching contributions use the separate annual-additions framework.
Why should I avoid reaching the limit early?
FERS matching contributions are calculated by pay period and TSP does not provide an annual match true-up. If employee contributions stop after reaching the limit, later pay periods may produce no matching contribution.
Does the planner change my payroll election?
No. It creates a planning schedule only. Submit any election through your agency payroll system and confirm year-to-date totals on official records.
Primary sources
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