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These limits define the contributions that can be made to the thrift savings plan (tsp) for the calendar year See how the contribution limits have changed. Please note, the contribution limits are personal limits that apply to an individual’s aggregated contributions across all defined contribution accounts in a calendar year.

The year 2026 is poised to be one of the most transformative periods for the thrift savings plan (tsp) in over a decade Participants in most 401 (k), 403 (b), governmental 457 plans and the federal government’s thrift savings plan who are 50 and older generally can contribute up to $32,500 each year, starting in 2026 The limits for tsp contributions have gone up to $24,500 for 2026

What is the thrift savings plan

The tsp is a retirement savings plan (like a 401k) for civilian federal government employees. Section 415 of the internal revenue code (“code”) provides for limitations on benefits and contributions under qualified retirement plans Thrift savings plan contribution limits are $23,500 in 2025, but will increase to $24,500 in 2026 Your maximum contribution per pay period should be $942

The first pay period in which you can make tsp contributions for 2026 is pay period 25, which starts this year, on december 14, 2025. Contribution limits for employer sponsored plans like the thrift savings plan (tsp), individual retirement accounts (ira), and health savings accounts (hsa) are all increasing.

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