TSP Withdrawal Calculator

2026 rules

See how long monthly TSP installments last and how they're taxed.

Your numbers

TSP balance

Monthly installment

Yearly return on what's left

Age at the first installment

Left federal service in or after the year you turned 55 (50 for special category)

Result

Installments last35.9 years (to about 95)

Yearly payout$30,000
Withdrawal rate6%
Default federal withholding10% (payments expected to last 10+ years)
10% early-withdrawal taxDoes not apply
Monthly after default withholding$2,250

Roth TSP money comes out pro rata with traditional money in each installment. RMDs start at 73 (75 if born 1960 or later).

How it works

After you separate, you can take installments, partial or full withdrawals, or buy an annuity. Installments can be monthly, quarterly or yearly, and you can change the amount at any time.

Withdrawals are penalty-free if you separate in or after the year you turn 55, or 50 for law enforcement, firefighters and air traffic controllers. Otherwise the 10% applies until 59½.

2026 figures: OPM FERS computation; TSP loans; IRS Notice 2025-67 (2026 retirement plan limits).

Questions

How is the Roth TSP handled?

Each withdrawal comes proportionally from your traditional and Roth balances. Qualified Roth earnings are tax-free after five years and age 59½.

Do installments satisfy RMDs?

Yes. The TSP pays your RMD automatically if installments fall short.