TSP Contribution Optimizer
See how your TSP contribution rate, Lifecycle fund allocation, and BRS DoD matching add up over time. Compare contribution rates side-by-side and project your balance to retirement.
Understanding TSP & BRS Matching
Maximize Your Free Money
Under BRS, the DoD automatically contributes 1% of your base pay and matches up to 4% more. To get the full match, contribute at least 5% of your base pay. Contributing less than 5% means you're leaving free money on the table.
L Funds vs Individual Funds
Lifecycle (L) funds automatically rebalance from aggressive to conservative as your retirement date approaches. If you prefer hands-off investing, an L Fund matching your retirement year is the simplest approach. Individual fund selection gives you more control but requires periodic rebalancing.
Data Sources
BRS matching schedule
10 U.S.C. § 1415(d)
2026 deferral limit
$23,500 (IRS)
Fund returns
TSP.gov (Dec 2025)
Expense ratio
0.040% (all funds)
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