TSP Contribution Optimizer
Maximize your Thrift Savings Plan. Under BRS, the government matches up to 5% of your base pay — that's free money most service members leave on the table.
Contribution Scenarios
| Contribution | Gov Match | Balance | Monthly |
|---|---|---|---|
| 3% (below match threshold) | $1,800 | $84,697 | $282/mo |
| 5% (full match)← you | $2,250 | $120,996 | $403/mo |
| 10% (accelerated) | $2,250 | $181,494 | $605/mo |
| 15% (aggressive) | $2,250 | $241,992 | $807/mo |
Frequently Asked Questions
How much does the government match TSP contributions?
Under BRS, the government automatically contributes 1% of base pay after 60 days, then matches dollar-for-dollar up to 3%, and 50 cents per dollar for the next 2% — for a maximum government match of 5% when you contribute 5% or more.
What is the TSP contribution limit for 2025?
The 2025 TSP elective deferral limit is $23,500. Members over age 50 can contribute an additional $7,500 as a catch-up contribution. Members in combat zones may contribute up to the annual additions limit of $70,000.
What TSP funds should I invest in?
The most common recommendation for younger service members is the C Fund (mirrors the S&P 500) or a Lifecycle (L) Fund matched to your expected retirement year. The C and S Funds have historically provided the highest long-term growth, while L Funds automatically rebalance as you age.
Should I choose traditional TSP or Roth TSP?
Roth TSP is generally better for junior enlisted and lower-income service members in a lower tax bracket now who expect higher income in retirement. Traditional TSP reduces taxable income today, benefiting higher earners. Many service members split contributions between both.
Sources: TSP.gov Contribution Limits, DFAS Military Pay, DoD BRS Guide. Last updated March 2026.