Military TSP Explained: Matching, Limits & Roth vs Traditional (2026)
The Thrift Savings Plan (TSP) is the military's 401(k)-style retirement account. Under the Blended Retirement System (BRS), the government adds up to 5% of your basic pay on top of your own contributions — free money if you contribute at least 5%.
How the BRS match works
- 1% automatic — the government deposits 1% of basic pay even if you contribute nothing.
- Up to 4% matching — dollar-for-dollar on your first 3%, 50 cents per dollar on the next 2%.
- Total: 5% of basic pay when you contribute 5% yourself.
Rule of thumb: contribute at least 5% of basic pay. Anything less leaves matching money on the table.
2026 contribution limit
The elective deferral limit for 2026 is $24,500. Members in a combat zone may be able to contribute beyond that toward the higher annual additions limit (tax-exempt contributions).
Roth vs Traditional TSP
- Traditional: contributions reduce taxable income now; withdrawals taxed in retirement.
- Roth: contributions are taxed now; qualified withdrawals are tax-free later.
Junior members in low tax brackets often favor Roth (you pay little tax today), and combat-zone pay contributed to Roth can be tax-free going in and coming out. Higher earners may prefer Traditional. The calculator lets you toggle Roth vs Traditional and see the paycheck impact.
Model your TSP contribution and see the paycheck impact.
Calculate my pay →Frequently asked questions
How much does the military match in TSP?
Under BRS the government contributes up to 5% of basic pay: 1% automatic plus up to 4% matching when you contribute 5%.
What is the 2026 TSP contribution limit?
The elective deferral limit is $24,500 for 2026.
Should I do Roth or Traditional TSP?
Junior members in low tax brackets often favor Roth; higher earners may prefer Traditional. Combat-zone contributions to Roth can be tax-free in and out.