TSP Withdrawal Calculator

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Rules checked against OPM/TSP pages · Last updated October 27, 2026

Estimate only, not financial advice. Your official figures come from OPM when your retirement is processed.

Simplifications: Assumes a fixed yearly return and withdrawals at the start of each year. No taxes, the 10% early-withdrawal penalty, fees or market swings. Does not model TSP annuities, installment-vs-RMD interactions, or separate traditional/Roth balances.

TSP balance at start ($)Expected yearly return (%)Yearly withdrawal ($)Raise withdrawal each year by (%)Your age at startBirth year (for RMD age)

Estimate only, not financial advice. Your official figures come from OPM when your retirement is processed.

Sources: OPM FERS Computation · OPM FERS Eligibility · TSP RMDs