FERS and CSRS TSP Accounts

If you have a traditional balance in your TSP account, the taxes on those contributions (and their earnings) are deferred until the money is paid to you. Therefore, the TSP annuity payments comprised of traditional amounts will be taxed as ordinary income in the years when you receive them.

If you have a Roth balance in your TSP account, those contributions were made after-tax. The TSP annuity payments comprised of Roth contributions will not be taxed. Whether the Roth earnings portion of any annuity payment is taxed depends on whether that particular payment meets the IRS rules for qualified earnings.

Uniformed Services TSP Accounts

Uniformed services TSP accounts may include contributions made from pay earned while serving in a combat zone. Certain pay earned in a combat zone is exempt from Federal income tax.

If you have tax-exempt money in the traditional balance of your uniformed services TSP account, and you choose to purchase an annuity, the annuity provider will calculate the amount of tax-exempt contributions that will be paid as part of the traditional portion of your annuity payment and will inform you of this amount. The tax-exempt portion of your payments will be spread out based on your life expectancy (and that of your joint annuitant, if applicable).

No Early Withdrawal Penalty Tax

Your annuity payments are not subject to the IRS early withdrawal penalty tax regardless of how old you are when they begin.

For more information, read the TSP tax notice "Important Tax Information About Payments From Your TSP Account".

Changing your contributions? Save at least 5% to get your full match.

Are you separated from federal employment?

Would you like to change your address right now in My Account instead of downloading Form TSP-9?

You cannot use this form to change your address. As a current federal employee or service member, you must change your address through your agency or service.

Are you separated from federal employment?

To change your name, you will need to provide documentation to the TSP. See the instructions on the form for documentation requirements.

You cannot use this form to change your name. As a current federal employee or service member, you must change your name through your agency or service.

Thinking of taking a loan? Please watch this first.

Thinking of taking your money out of the TSP? Please watch this first.

Still want to make a withdrawal?

Our online wizard can help you with your withdrawal request. Based on your answers to a series of questions, it will prefill the appropriate sections of your form and help you avoid mistakes that could cause your form to be delayed or rejected.

See how easy it is to complete this form.

Let our online wizard help you with your withdrawal request. Based on your answers to a series of questions, it will prefill the appropriate sections of your form and help you avoid mistakes that could cause your form to be delayed or rejected.

See how easy it is to complete this form.

Let our online wizard help you with your withdrawal request. Based on your answers to a series of questions, it will prefill the appropriate sections of your form and help you avoid mistakes that could cause your form to be delayed or rejected.

See how easy it is to complete this form.

Let our online wizard help you with your withdrawal request. Based on your answers to a series of questions, it will prefill the appropriate sections of your form and help you avoid mistakes that could cause your form to be delayed or rejected.