Just for completeness, there are three separate things in question here:
- IRA. $6k limit in 2022. This limit is for Roth and Traditional IRAs combined.
- TSP - employee contribution. $20.5k limit in 2022. This limit is for Roth and Traditional TSPs combined.
- TSP - overall contribution including employer (gov't) matching and non-elective contributions. $57k limit for 2022. The government does not provide extra contributions beyond the 5% match, so the highest amount they will ever contribute is $9.65k (the legal cap on base pay times 5%)—so this limit does not affect us.