2026 TSP max contribution

[Tmaxx219]

Anyone have the numbers on next years TSP max contribution?

 

[Phanatical]

Source: Employee Express

 

[32andBelow]

Bro who can afford to keep maxing out. It just goes up by insane amounts now. Which I guess is good for those who can swing it. Just remember that the people retiring today with multiple millions had a large portion of their career when the limit was like 10k

 

[KP-ATC]

Bro who can afford to keep maxing out. It just goes up by insane amounts now. Which I guess is good for those who can swing it. Just remember that the people retiring today with multiple millions had a large portion of their career when the limit was like 10k

Every pay raise you get, increase your TSP contribution by that amount. Repeat this until you are maxed out.

 

[the inquirer]

Bro who can afford to keep maxing out.

People at centers

 

[ClearanceClarence]

Every pay raise you get, increase your TSP contribution by that amount. Repeat this until you are maxed out.

You mean the 1.6% pay raise we get once a year that hasn’t kept up with inflation for a decade?

 

[KP-ATC]

You mean the 1.6% pay raise we get once a year that hasn’t kept up with inflation for a decade?

I never suggested our pay raises kept up with inflation.
Point is, if you want to retire, it takes planning. It's not easy to retire at eligibility if you don't have a healthy TSP balance. Huge jumps in how much contribute to your TSP are usually a challenge. Smaller increases as I suggested are easier to swallow.

 

[32andBelow]

Every pay raise you get, increase your TSP contribution by that amount. Repeat this until you are maxed out.

Just seems like the limit keeps going up and up. Gotta draw a line somewhere. I think I’m at 850 now

 

[ManBearPig]

People at centers

Literally the people complaining the loudest, while contributing what would be 25-30% of other controllers pay.

 

[Tmaxx219]

Source: Employee Express

Thank you

 

[AnyTrafficPleaseAdvise]

Literally the people complaining the loudest, while contributing what would be 25-30% of other controllers pay.

Let me preface this by saying low level controllers should be the most frustrated about our compensation. I think a lot of the complaining from high-level controllers is coming from the younger generation. We have to look at what 20 year CPC‘s have and know that we can’t live in the same neighborhoods, send our kids to the same schools, drive the same vehicle, etc. Because we can’t afford it. Unfortunately, we weren’t able to buy our house in 2009 after a giant housing correction and then refinance in 2021 for 1.9% on a 15 year loan.

 

[rugbydog11]

Being single and living fairly cheap, I've never had a problem maxing after I left a 5 for a 7 and hitting CPC. I know that's a situation that is not normal, and the housing market and amount to max has made that more difficult. I'm disgusted by the lack of pay for people starting out in the agency. Min pay for a 4-5 CPC 1st year should be able to afford a 2/2 single family home in every location in the US while still hitting at least 50-60 percent of max TSP. Our union has failed lower levels.

 

[Phillytroll69]

Bro who can afford to keep maxing out. It just goes up by insane amounts now. Which I guess is good for those who can swing it. Just remember that the people retiring today with multiple millions had a large portion of their career when the limit was like 10k

Have you considered not buying avocados and starbies

 

[bomber996]

Just seems like the limit keeps going up and up. Gotta draw a line somewhere. I think I’m at 850 now

I mean one way to look at it is that the more you can contribute the more you save on taxes. We should want to be able to contribute more and more and not pay tax on that money now, or pay tax on it when we withdraw.

I get the argument that we're not paid enough. I fully agree. Complaining that the tax advantaged limit is going up is not the way to advocate for higher pay, however.

 

[RalphBeast]

Hopefully a lot more because I still have a ton of cash leftover after maxing out every tax-advantaged account

 

[GroundClutter]

Every pay raise you get, increase your TSP contribution by that amount. Repeat this until you are maxed out.

Well if the max keeps going up more than the pay raise then that's a bit difficult.

 

[KP-ATC]

Well if the max keeps going up more than the pay raise then that's a bit difficult.

TSP limits don't change in June.
I couldn't care less what anyone chooses to do for their retirement planning. You can make excuses as to why you'll never get there or you can decide you will get there and figure out how. My suggestion is a way to soften the blow.

 

[DankVectorz]

Why are people complaining about the limit increasing? If you can’t hit the limit then don’t, nobody is forcing you. There shouldn’t even be a limit imo.

 

[GroundClutter]

TSP limits don't change in June.
I couldn't care less what anyone chooses to do for their retirement planning. You can make excuses as to why you'll never get there or you can decide you will get there and figure out how. My suggestion is a way to soften the blow.

And your point? They change in January where you may get a goose egg or a glorious 1%.

Don't forget that's when your new higher health premiums hit too.

 

[ClearanceClarence]

Why are people complaining about the limit increasing? If you can’t hit the limit then don’t, nobody is forcing you. There shouldn’t even be a limit imo.

I think it’s the disease people are complaining about, not the symptom. Raising the TSP limit is a direct acknowledgement that we’re going to need more money in retirement due to rising costs. But our compensation, which TSP contributions are directly pulled from, are not rising at all.

It’s the government literally telling us we’re going to be fucked in a couple decades when most of us retire. While refusing to pay us.