TSP Contribution Optimizer
See how your TSP contribution rate, Lifecycle fund allocation, and BRS DoD matching add up over time. Compare rates and project your balance to retirement.
Updated April 2026
Understanding TSP & BRS Matching
Maximize Your Free Money
Under BRS, DoD automatically contributes 1% and matches up to 4% more. Contributing at least 5% captures the full match — anything less leaves free money on the table.
L Funds vs Individual Funds
L Funds auto-rebalance from aggressive to conservative as retirement approaches. Individual fund selection gives more control but requires periodic rebalancing.
Data Sources
BRS matching
10 U.S.C. § 1415(d)
2026 limit
$23,500 (IRS)
Fund returns
TSP.gov (Dec 2025)