The USGS Personnel Office

The USGS TSP Calculator

Welcome to the USGS TSP Calculator!

The Thrift Savings Plan (TSP) is a key part of your total retirement benefits package, particularly if you are in the Federal Employees Retirement System (FERS.) Employees are often curious what the total value of their TSP investments will be when they retire. However, TSP is an investment; the amount you invest and the rates of return on your investment will change unpredictably over time. Because of this it is not possible to know exactly how much money you will have in your TSP account when you retire. You can, however, calculate an estimated guess based on assumptions about how much you plan to contribute to TSP, and the interest you assume the various TSP funds will earn over time.

That's exactly what this program is designed to do: provide a "guestimate" of the value of your TSP investments at any given time.

This Calculator Will:

• Allow you to enter a summary of your current situation, including your salary, amount contributed to TSP, percent contributed to each fund, fund account balances and contribution percentages for each TSP fund.
• Include an annual salary increase to account for anticipated pay comparability salary increases.
• Let you change the variables used to calculate your TSP balance at any time in the future. The program lets you simulate:
  • Changes in salary (such as promotions, Within-Grades, etc.)
  • Changes in the rates of return of each fund
  • Interfund transfers
  • Changes in the percent of salary contributed
  • Changes in how much of your total TSP contribution goes to each fund
• Automatically calculate the government matching funds for FERS employees
• Keep track of the annual IRS limit on TSP contributions
• Calculate estimates using the "I" and "S" funds
• Calculate the effects of "Catch-up" contributions on your TSP balance

This Calculator Will Not:

• Calculate the effects of TSP Loans on your account balance

How to Get Started

Before you begin you should gather your current account information together so that you'll be ready to input such information as your current fund balances, total contribution amount, fund contribution amount, current rates of return, etc.

1. The most up-to-date information on your account can be found at TSP's Thriftline, which updates all of your balances and account information once per month.
2. Alternatively, you can find out your account information from a recent TSP Participant Statement. These are mailed to all particpants in May and late November each year.
3. Your current contribution amounts, plus your salary and retirement system, are available on any recent Leave and Earnings Statement (LES).

Once you have this information, you're ready to begin using this Calculator.

Questions? Problems?

If you have any questions about any of the information provided on this site, please contact HRWebmaster.

Go to the TSP Calculator Now

*If you are interested, you can read the technical details on how and when this calculator accrues interest and allocates contributions, as well as see how this calculator stacks up against a similar calculator available at the TSP website.