Federal TSP & FERS Retirement Calculator

2026 GS Pay Scale · All 58 locality areas · OPM WGI schedule

Your information

Current age

Years of federal service

Retirement age

Years in retirement

2026 GS pay scale

GS grade

Step

Locality pay area TSP

Basic pay FERS pension

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Locality pay

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Total compensation

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Current step

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OPM Salary Table 2026-GS · effective Jan 2026 · 1% GS increase

WGI: Steps 1–3 = 1 yr · Steps 4–6 = 2 yrs · Steps 7–9 = 3 yrs

TSP contributions

Traditional TSP pre-tax

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Roth TSP after-tax

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Combined contribution—

Combined exceeds 2026 IRS limit of $24,500 — amounts will be capped proportionally.

Current TSP balances

Traditional TSP

Roth TSP

Annual return (accumulation) 7%

Return in retirement 5%

Withdrawal rate 4%

Annual GS increase 1%

Retirement tax rate 22%

Traditional TSP Roth TSP Contributions

Data sources: OPM Salary Table 2026-GS (effective Jan 2026, 1% increase) · OPM 2026 locality pay rates · IRS 2026 §402(g) elective deferral limit $24,500 · FERS pension multiplier 1% (1.1% at age 62+ with 20+ years) per OPM. This calculator is for estimation purposes only and does not constitute financial advice.