Use this educational tool to compare retirement assumptions. The interactive calculator loads with JavaScript; the explanation below is available to every visitor. Quantos LLC publishes MyFedPlan independently of the U.S. government. Estimates are not official benefit determinations.
Read the methodology and model limits and our federal retirement guides.
A useful TSP forecast blends contribution discipline with realistic return assumptions. Start with your current balance, annual contribution rate, and agency match assumptions. Then run conservative and moderate return cases so you can see how sensitive your future balance is to market conditions. This helps avoid overconfidence in a single optimistic projection.
Use a range. A single number can hide downside risk and produce unrealistic income expectations.
Your TSP is often the primary source for covering any income gap after pension and Social Security are accounted for.