TSP login and account access: My Account, lockouts and the ThriftLine
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By the OnPAR Federal Retirement Education editorial team · Last updated
Related: TSP overview · TSP funds guide · TSP Roth vs traditional · TSP and FEGLI beneficiaries · OPM Retirement Services phone
Short answer: Sign in only at the official TSP address tsp.gov/login [1]. To set up My Account you create a username, password and 6-digit ThriftLine PIN and verify your identity with a one-time passcode [2]. After three unsuccessful login attempts, TSP suspends online access for 30 minutes [5]. For phone help, call the ThriftLine at 1-877-968-3778 (Mon–Fri 7:00 a.m.–9:00 p.m. Eastern); you will need your ThriftLine PIN [6]. This page is education only. We never host a TSP login form and we never ask for your password, PIN or one-time code.
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Protect your identifiers
Do not type passwords, one-time codes, CSA/CSF claim numbers, Social Security numbers, bank account numbers or full TSP account details into our chat bubble or website forms. Use those only on official OPM, TSP or SSA sites (or when you call them directly). Our chat and signup forms are for general questions and email updates — not account recovery.
If someone claiming to be from OPM or the TSP asks you for a password or code, stop and contact them through the published numbers on OPM.gov or TSP.gov.
Official TSP sign-in
Open TSP My Account only on the TSP website:
Go to tsp.gov/login (official) →
Before you enter anything, check that the address bar shows https:// and tsp.gov. TSP says to look for a lock icon / https on tsp.gov before you log in [5].
What you need to set up or use My Account
- A one-time setup on TSP’s site to create your username, password and 6-digit ThriftLine PIN [2]
- A way to receive a one-time passcode (text or voice call; uniformed services members may use a .mil email during setup) [2]
- Multifactor authentication on every My Account login [5]
- About 5 to 10 minutes for most participants for the initial setup [2]
TSP launched the current My Account on June 1, 2022. Older pre-2022 login credentials do not work; you must complete the one-time setup for the current system [2].
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Prefer a quick question first? Tap the chat bubble on this page. Never enter TSP, OPM or SSA passwords, account numbers, claim numbers, SSNs or one-time codes in our chat or forms — those belong only on official .gov sites.
Locked out or forgot username / password
- Three bad password tries: online access is suspended for 30 minutes — wait, then try again with the correct credentials [5]
- Forgot username or password: use TSP’s official recovery pages — forgot password and the recovery links from Access your account / Unlock your TSP account [4] [3] [2]
- Still stuck: call the ThriftLine (below). Do not email account numbers or SSNs to random addresses.
ThriftLine (phone)
- 1-877-968-3778 (toll-free). International: (404) 233-4400 (not toll-free) [6]
- Hours: Monday–Friday, 7:00 a.m. to 9:00 p.m. Eastern [6]
- Have your 6-digit ThriftLine PIN ready to access your account by phone [6]
- Relay: dial 711 [6]
For general (non-account) questions you can email [email protected] — TSP says do not email personally identifiable information, and it does not handle account requests by email [6].
Quick security habits (from TSP)
- TSP will never ask you for your username, password, ThriftLine PIN or one-time passcode when it contacts you [5]
- Log in only through tsp.gov or the official TSP Mobile App from the Apple App Store or Google Play [5]
- Consider an account lock in My Account to block new loans/withdrawals until you unlock with your 10-digit key [5]
Planning withdrawals or Roth vs traditional?
Book a free review. Bring questions — leave passwords at home.
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Prefer a quick question first? Tap the chat bubble on this page. Never enter TSP, OPM or SSA passwords, account numbers, claim numbers, SSNs or one-time codes in our chat or forms — those belong only on official .gov sites.
Questions and answers
Where do I log in to my TSP account?
Only at https://www.tsp.gov/login. We do not embed a login form on this site [1].
What if I am locked out?
After three unsuccessful attempts, wait 30 minutes, then use TSP’s unlock / forgot-password tools or call the ThriftLine [5] [3] [6].
What is the ThriftLine number?
1-877-968-3778, Monday–Friday 7:00 a.m.–9:00 p.m. Eastern. You need your 6-digit ThriftLine PIN [6].
Official sources
- TSP: My Account sign-in (tsp.gov/login)
- TSP: Access your account
- TSP: Unlock your TSP account
- TSP: Forgot password
- TSP: Protect your account
- TSP: Contact / ThriftLine
Checked against TSP.gov, SSA.gov and OPM on November 6, 2026. Education only, not legal, tax or financial advice. Your own situation may differ: check with the TSP, OPM, SSA or a tax professional. Not affiliated with OPM, the TSP, SSA or any government agency. This site never asks for your login credentials.