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TSP Withdrawal Planner
Federal Retirement Planning
1-800-TSP

TSP Withdrawal Planner

Model your Thrift Savings Plan withdrawal strategy. See how long your savings will last and find the right balance between income and longevity.

2026 TSP Data Traditional • Roth • Mixed

Your TSP Profile

Your current total TSP balance across all funds.

Your current age.

Age you plan to begin TSP withdrawals.

Total annual contribution (employee + agency match). 2026 limit: $23,500 under 50, $31,000 if 50+.

7.0%

Expected annual return while still contributing.

5.0%

Expected annual return during retirement (typically more conservative).

Desired monthly withdrawal from TSP in retirement.

3.0%

Expected annual inflation rate for withdrawal adjustments.

85

Used to project total withdrawal period.

Your TSP Withdrawal Plan

TSP at Retirement
—
projected balance
Monthly Withdrawal
—
initial withdrawal
Funds Last Until
—
depletion age

Withdrawal Strategy Summary

—

TSP Balance Over Time

Annual Withdrawals vs. Investment Growth

Year-by-Year Projection

Age Start Balance Growth Annual Withdrawal End Balance
Disclaimer: This calculator is for educational and informational purposes only and does not constitute financial, tax, or investment advice. Results are estimates based on the assumptions and inputs provided and are not guaranteed. Actual TSP balances and withdrawal outcomes may vary. Consult with a qualified financial advisor before making any retirement decisions.