🧮 Military TSP Calculator

Estimate elective deferral metrics based on DFAS Active Duty Pay Charts (2026)

1. Base Pay Information
$0.00
$0.00
2. How to Max Out ($23,500 Goal)
Calculating target allocation...
Projected values based on full calendar year.
3. Monthly TSP Contributions
$0.00
$0.00
Your contribution + DoD match = total deposited each month
4. Yearly Contribution Target Progress
Your personal contributions vs. IRS elective deferral limit ($23,500)
$0 / $23,500
Annual Total Including DoD Match
$0 total deposited
⚠️ Warning: Over Contribution Detected!

O-7 through O-10 pay is capped at $18,999.90/mo per 37 U.S.C. § 203(a) (Level II Executive Schedule).
Source: DFAS.mil — Basic Pay: Officers, effective January 1, 2026.

5. How to Change Contributions & Manage Investments
1

Change Your Contribution Amount → myPay (DFAS)

Your TSP contribution percentage is set through myPay, not TSP.gov. Log in at mypay.dfas.mil, navigate to Thrift Savings Plan in the left menu, and update your Traditional and/or Roth percentages. Changes typically take effect the next available pay period — mid-month changes often hit the following month's LES.

2

Move & Manage Where Your Money Is Invested → TSP.gov

The fund mix (C, S, I, F, G funds, or Lifecycle L Funds) is managed at TSP.gov. You can rebalance your existing balance (Interfund Transfer) or change where future contributions go (Contribution Allocation) — these are separate actions, both done at TSP.gov.

🔗 Go to TSP.gov
3

Getting Access to TSP.gov (First Time)

TSP account access requires a login.gov account linked to your SSN. Here's the process:

① Go to tsp.gov → click Log In → select Create an account via login.gov.
② Verify your identity with a government-issued ID (driver's license or passport) and your SSN.
③ Set up two-factor authentication (authenticator app recommended).
④ Once logged in, your TSP account should auto-populate based on your SSN — no separate enrollment needed if DFAS has been contributing on your behalf.

Tip: If you haven't logged in before, TSP may mail a one-time PIN to your address on record. Ensure your mailing address is current in myPay before attempting first access.