See exactly where your Thrift Savings Plan is headed — and what it will take to retire with confidence. Includes fund allocation, loan impact, contribution optimization, and RMD planning.
U.S. Treasury securities issued to the TSP. Guaranteed not to lose value. Lowest risk, lowest return. Default fund.
~3.5% avg return
F Fund — Fixed Income Index
Tracks the Bloomberg U.S. Aggregate Bond Index. Bonds, mortgage-backed securities, corporate bonds. Low-moderate risk.
~3.8% avg return
C Fund — Common Stock Index
Tracks the S&P 500. Large U.S. company stocks. Moderate-high risk, historically strong long-term returns.
~10.3% avg return
S Fund — Small Cap Stock Index
Tracks the Dow Jones U.S. Completion TSM Index. Small and mid-size U.S. companies not in the S&P 500. Higher risk, higher potential.
~11.1% avg return
I Fund — International Stock Index
Tracks the MSCI EAFE Index. International developed market stocks. Higher risk, variable returns, currency exposure.
~8.5% avg return
Total Allocation100%
Allocation must total exactly 100% before calculating.
Step 3 — Retirement Income Planning
How much you plan to withdraw per month from TSP
Conservative growth rate during withdrawal phase
Step 4 — TSP Loan Impact (Optional)
TSP loans feel like borrowing from yourself — but the true cost is the compounding growth you lose while that money is out of the market. See the real impact below.
I have taken (or plan to take) a TSP loan
Your TSP Analysis
TSP Balance at Retirement
Projected Balance
—
At retirement date
Your Contributions
—
Total you put in
Agency Match
—
Free money from agency
Investment Growth
—
Compounded returns
⚠️ Agency Match Alert
What If You Contributed More?
See how small increases in your contribution rate compound over time.
RMD amounts are estimated using IRS Uniform Lifetime Table factors. Actual amounts will be calculated by your TSP servicer each year.
TSP Loan Impact — The True Cost
The hidden cost of TSP loans: When you take a TSP loan, that money stops growing in the market. The interest you pay back goes to yourself — but it doesn't make up for the compounding growth you missed. Below is the real cost of your loan(s).
This calculator provides estimates for educational purposes only. TSP projections assume consistent contributions, salary growth, and investment returns — actual results will vary based on market performance, fund selection, contribution changes, and other factors. The 4% withdrawal rule is a general guideline and may not be appropriate for all situations. RMD calculations use IRS Uniform Lifetime Table factors and assume no designated beneficiary younger than 10 years. Traditional vs. Roth comparison uses simplified tax rate assumptions and does not account for Social Security taxation, IRMAA, state taxes, or other factors. Consult a licensed federal retirement specialist before making TSP decisions.
Is your TSP working as hard as you are?
Your TSP is one piece of your federal retirement. Octus Financial provides fiduciary-only federal retirement planning covering your pension, TSP, FEGLI, FEHB, Social Security, and survivor benefits — across all 48 states.