For everyone with a TSP — military & civilian
You work for the government.
Make your money work harder than you do.
The TSP is the best retirement deal in America — and most of the people who have it were never shown what it's worth. Whether you're three years into your first enlistment or thirty years into the GS ladder, the math is here in plain English.
100%
Instant return on your first 5%
Under BRS, the government matches your first 5% of base pay dollar-for-dollar-ish. Skip it and you're volunteering for a pay cut.
$0
Tax on Roth withdrawals
In a low bracket today? Roth means decades of growth the IRS never touches. The calculator tells you which side of that line you're on.
38 yrs
Of compounding if you start at 22
Every year you wait deletes the biggest bar on the chart. And if you're not 22 anymore — the second-best time is this pay period.
One calculator. Every answer that matters.
Built on real 2026 tax law — federal brackets, all 50 states + DC, military pay tables, and BRS matching rules. No sign-in, no ads, no selling your data.
Your exact tax savings
Federal + state, line by line, from your real pay grade and duty station — not a generic estimate.
Roth vs Traditional verdict
Reads your actual marginal tax rate and tells you which one wins, with the reasoning spelled out.
What it becomes by 60
Compound growth projection including agency match. See how much of your final balance is money you never earned.
Free money detector
Under 5% on BRS? It shows exactly how many dollars of match you’re forfeiting per year and per paycheck.
Per-paycheck reality check
Contributing costs less than you think — see the real drop in take-home after tax savings.
Deployment strategy
Combat zone pay into Roth is never taxed — going in or coming out. The calculator shows you how to use it.
The math nobody shows you at orientation
Contribute 5% starting your first year, never increase it, never get a raise (impossible, but stay with us) — and the match plus compounding still puts you in six figures long before you're vested in your pension. Bump it with every promotion and step increase, and the number gets stupid.
Don't take our word for it. The calculator uses your actual pay.
Get the updates that actually matter
Pay raises, TSP limit changes, tax law updates, and strategies worth your time. No spam, no daily noise — just the stuff that moves your number.