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  1. Introduction
  2. Elective Contributions
  3. Elective Deferral Limits

Who should use this calculator?

Each year the IRS determines the maximum amount you can contribute to tax-deferred savings plans like the TSP. This is known as the IRS elective deferral limit. Participants should use this calculator to determine the specific dollar amount to be deducted each pay period in order to maximize your contributions and to ensure that you do not miss out on Agency or Service Matching Contributions if you are entitled to them.

Special Note for FERS and BRS Participants
This calculator is especially important for FERS employees and members of the uniformed services covered by the Blended Retirement System (BRS). If you reach the IRS elective deferral limit before the end of the year, your contributions and Agency or Service Matching Contributions must stop for the remainder of the year. As a result, you will lose some of your Agency or Service Matching Contributions. For more detailed information, read the Fact Sheet Annual Limit on Elective Deferrals.

The dollar amount determined by using this calculator distributes your employee/member contributions over the entire year (or remainder of the year), and thus allows you to receive the maximum Agency or Service Matching Contributions.

What information do you need to use this calculator?

  • Your most recent earnings statement.
  • The number of annual salary payments you will receive in 2017 or 2018 from which your new contribution election will be deducted.

, then press the Start button.

Provide the requested information, then press Calculate.


If you use this calculator before your 2017 contributions begin, enter 0.
Do not include Agency or Service Automatic (1%) or Matching Contributions.
If you are contributing to a civilian and a uniformed services TSP account, use the total of ALL contributions.

If you are uncertain, check with your personnel office.

If you are uncertain, check with your personnel office.

A summary of your computations based on the data you entered is shown below.

Maximizing Agency or Service Contributions
To receive the maximum Agency or Service Matching Contributions, you must contribute 5% of your basic pay each pay period.
Warning: Accuracy of Results
This calculator can provide you with a reasonable estimate. However, calculations may vary from actual contribution amounts because of a variety of factors influencing your pay (including pay increases) and the accuracy of the input.

Contribution year 2017
IRS Elective Deferral Limit for 2017 $18,000.00
Amount contributed for 2017 as of effective date of new election $0.00
Amount that may be contributed before reaching the elective deferral limit for 2017 $18,000.00
Number of salary payments remaining in 2017 26
Dollar amount of contribution per pay date (rounded up to the nearest whole dollar)

This is the amount you may elect to contribute each pay period to maximize employee contributions for 2017. You may contribute less.