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general questions

If you are actively employed, your agency or service is solely responsible for making changes or corrections to your personal information such as your address, name, date of birth and Social Security number. We cannot accept these types of changes directly from you. You must contact your agency or service and ask that your information be changed for your TSP account.

If you are separated from federal service, you may change your address in My Account under “Profile Settings.” You can also change your address by completing Form TSP-9, Change of Address for Separated Participant, or by calling the ThriftLine at 1-877-968-3778 and choosing option 3 to speak with a Participant Service Representative.

If you are an active uniformed services member, going to the TSP section of myPay after you log in is the quickest and easiest way to update your TSP mailing address. From the main menu, click on “Traditional TSP and Roth TSP.” The “Correspondence Address” section of myPay will NOT update your information with the TSP. You MUST to go to the TSP section of myPay after logging in to change your TSP address.

As a TSP participant, you should know how to protect your account against various types of fraud. The TSP is administered by the Federal Retirement Thrift Investment Board, an independent federal government agency. Private parties offering assistance with your TSP account have not been approved, endorsed, sponsored, or authorized by the Federal Retirement Thrift Investment Board.

If you are unsure whether correspondence or telephone calls claiming to be from the TSP are authentic, DO NOT provide any personal or financial information. Contact us directly at 1-877-968-3778 and choose option 3 to speak to a Participant Service Representative if you have questions or if you need to report any suspicious activity involving your TSP account.

You may add up to two email addresses and one phone number to your TSP account. If you do, we will send confirmation notices for certain online transactions and other communications about your TSP account to the inbox of your choice. To add an email address or phone number, log into My Account and go to “Profile Settings.” You can also call the ThriftLine at 1-877-968-3778 and choose option 3 to have this profile information updated.

Check with your agency or service payroll office about its procedures for making an election to start, change, or stop your TSP contributions. You may be instructed to use your agency's or service's electronic system (for example, Employee Express, myPay, EBIS, LiteBlue, or NFC).

If your agency or service accepts the paper form, you can download and complete the TSP election form (Form TSP-1 or Form TSP-U-1) from this website, use the form they give you, or call the ThriftLine at 1-877-968-3778 and chose option 3 to have it sent to you.

You can begin making “catch-up” contributions at any time beginning in the year you turn 50. Use Form TSP-1-C, Catch-Up Contribution Election, to start, stop, or change your catch-up contribution election to your TSP account. You must expect to contribute the maximum amount allowed of regular employee contributions for the year to the TSP or to an equivalent tax-deferred employer plan, such as a private sector 401(k) or nonprofit 403(b) employer plan. Your catch-up contributions will stop automatically when you reach the catch-up contribution limit or at the end of the calendar year, whichever comes first. You must make a new catch-up contribution election each calendar year by completing and submitting a new Form TSP-1-C (or Form TSP-U-1-C for uniformed services).

Yes, however, you should be aware that you will be affecting your retirement savings. If you are a FERS employee and you choose to stop your regular employee contributions, your Agency Automatic (1%) Contributions will continue each pay date that you are in pay status and will be invested according to your most recent contribution allocation on file with the TSP. Agency Matching Contributions will end when your regular employee contributions end.

If you would like your TSP account to be distributed according to the statutory order of precedence, it is not necessary to complete Form TSP-3, Designation of Beneficiary.

If you do not want your TSP account distributed in the order of precedence, you can complete Form TSP-3, Designation of Beneficiary. You can download the form from this website or you can call the ThriftLine at 1-877-968-3778 and choose option 3 to request a copy of the form. Return the completed, original form directly to our address on the form or fax it to the number provided in the instructions. Do not submit Form TSP-3 to your agency or service. Be sure to make a copy of the form for your records.

If you do not remember whether you have submitted a Form TSP-3, you can find out by calling the ThriftLine at 1-877-968-3778 and choosing option 3 to speak with a Participant Service Representative.

Quarterly statements are typically available two weeks after the end of the calendar quarter. Annual statements are available in mid-February.

For participants who received a withdrawal or other taxable distribution during the calendar year, 1099-Rs are mailed by January 31 each year, and electronic versions are available online the first week of February in My Account under “Statements.”

The TSP website has made fund performance data and account balance data available for download, in excel (.csv) files, to your desktop, which should enable you to import data to a personal finance software application.

You can report technical problems regarding this website using an online comments form.

my account login

To log in to My Account, you will need to enter your TSP account number, which was mailed to you, OR your user ID, which you created yourself to use instead of your account number in online transactions, AND your web password. Your password will either be the one what was mailed to you, a temporary one that a Participant Service Representative (PSR) provided to you, or one that you created yourself when you were logged into your account. If it is the first time logging into your account with the password that was mailed to you or provided by a PSR, you will be prompted to create a new one of your choice.

If you have forgotten your account number, you must ask us to send it to you. For security reasons, you cannot receive this number via email or over the telephone. If you have forgotten your user ID, but still have access to your account number, use the account number to access your account and then create another user ID. You can use your account number and user ID interchangeably to log into your account.

If you forget, lose, or want to change your TSP account password, you’ve got a few options.

If you forget or lose your password, go to the My Account section of tsp.gov, click on “Forgot your password?,” and follow the prompts. If you know your password and want to change it, log into My Account, visit “Profile Settings,” and click on “Change Your Password.” You can also call the ThriftLine at 1-877-968-3778 and press option 3 to speak to a Participant Service Representative.

If you joined the TSP prior to May 2007 and have never requested a password, you should use your ThriftLine Personal Identification Number (PIN) to set up a password. Enter your TSP account number and your PIN (in the password field). You will then be presented with the option to establish your password. If you have forgotten your PIN, you must ask us to mail you another one. For security reasons, you cannot receive this number via email or over the telephone.

Two-step authentication helps you protect your account against fraud by prompting you for a one-time verification code each time you log in. This login process is more secure because it means that online access to your account requires something you know (your account number or username and password) and something you have (the one-time verification code you receive in your email or on your phone). Someone who tries to log into your account fraudulently won’t be able to gain access without the code.

To add this security feature, log into My Account and go to your profile settings. Before you can use two-step authentication, you must first validate an email address or cell phone. You can validate your contact information in your My Account profile settings.

general loan information

Online
If you successfully complete the entire loan process online and are approved, you will receive your money, in the form of a check mailed to your address of record, within 7–10 business days. Not everyone can complete the entire process online. If you want a residential loan, you must submit documentation or, if you are a married FERS participant or member of the uniformed services, for example, your spouse must sign the loan agreement.

By Mail or Fax
If you mail or fax Form TSP-20, Loan Application, it may take up to 10 business days for this form to be processed. Once it is processed, you will receive Form TSP-21, Loan Agreement, in the mail. You must complete the loan agreement and return it to us before your loan can be disbursed. It may take up to an additional 10 business days for this form to be processed before the money is disbursed from your account.

Note: To help ensure that you complete your loan application correctly, you can use our online wizard to apply for your loan. Then, you can print out the Loan Agreement and mail or fax it to us.

If you elect to receive your money by electronic funds transfer (EFT), your bank should receive the money within 3–5 business days once the funds are disbursed from your account.

If you elect to receive your money by check, you should receive the check within 7–10 business days once the funds are disbursed from your account.

To check the status of your loan, you may log on to your TSP account or contact the ThriftLine.

When you leave federal service, you must repay your loan in full within 90 days after your separation is reported to us. Your repayment must include any accrued interest on the outstanding principal balance. You will receive a notice providing repayment details from us after your agency notifies us of your separation.

If you do not repay your outstanding loan balance in full, a taxable distribution of the remaining balance amount of your loan will be declared as taxable income. You can roll the amount of the distribution into a traditional IRA or eligible employer plan within 60 days of it being declared to avoid taxes and penalties in accordance with Internal Revenue Code regulations.

You will not be able to withdraw your TSP account until your loan is closed by either payment in full or taxable distribution.

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

No, you cannot make loan payments online. When we process your loan, we will notify your payroll office immediately to begin deducting loan payments from your salary each pay period.

Check your leave and earnings statement to be sure that loan payments have started, are being deducted each pay period, and that they are in the correct amount. Contact your agency or service if payments have not started, if your loan is not being repaid according to your pay cycle, or if they are in the wrong amount.

Be aware that you are responsible for the repayment of your loan regardless of whether your agency or service misses a payment. Additional information is available under Repaying Your Loan.

residential loans

Once you have requested a residential loan, you will need to submit Form TSP-21-R, Loan Agreement, and the required residential loan documentation. Your documentation must:

  1. Be from a third party (that is someone who is selling the home to you or building it for you);
  2. Be dated no more than 24 months before the expiration date on your loan agreement;
  3. Show you or your spouse as the purchaser, or that the residence is being built for you;
  4. Show the full purchase or construction price;
  5. Show the full address of the primary residence;
  6. Show signatures of the buyer and seller (contracts only*).

    *If submitting a purchase contract, you must include all pages of the contract and counter offers.

Prior to submitting your residential loan request, you should complete the Residential Loan Checklist and include it with your completed loan agreement and residential loan documentation to ensure timely processing of your loan.

The TSP must receive the loan agreement and all documentation before your loan can be processed. On each document you submit, write your name, TSP account number, and TSP loan number. Do not submit original documents as they will not be returned.

Do not submit your loan request more than once. This will cause a delay in the processing of your loan.

If your residential loan request was not approved because of missing documentation, you will need to gather the missing information and resubmit the completed TSP-21-R, Loan Agreement, and all required documentation again.

Prior to resubmitting your residential loan request, you should complete the Residential Loan Checklist and include it with your completed residential loan agreement and residential loan documentation to ensure timely processing of your loan.

investments

There are two types of investment transactions you can make in your TSP account: a contribution allocation and an interfund transfer.

A contribution allocation specifies how you want to invest money going into your TSP account. This will apply to all future deposits, including your contributions by payroll deduction, transfers from other retirement plans, any matching or automatic contributions from your employer, and any TSP loan payments. A contribution allocation does not affect how money already in your account is invested.

An interfund transfer (IFT) allows you to redistribute all or part of your existing TSP account among the different TSP funds. An IFT does not affect the investment of future deposits into your TSP account. You are allowed two unrestricted IFTs each calendar month. Once you have reached that limit, the only IFT you are allowed to make is into the Government Securities Investment (G) Fund.

You may request a contribution allocation or an interfund transfer in My Account under “Online Transactions.” You may also call the ThriftLine at 1-877-968-3778 and follow the automated prompts, or you can choose option 3 to speak with a Participant Service Representative.

withdrawals

Yes, you can leave your entire account balance in the TSP when you leave federal service if the balance is $200 or more. You can continue to enjoy tax-deferred earnings and low administrative expenses. Once you separate, you will no longer be able to make employee contributions. However, you can transfer money into your TSP account from IRAs (although not from Roth IRAs) and eligible employer plans. Your account will continue to accrue earnings, and you can continue to change the way your money is invested in the TSP investment funds by making interfund transfers.

Disbursements are processed daily. Generally, you should allow 7 – 10 days from the time you submit your completed withdrawal request and the time that payment is sent. The TSP will notify you in writing when your payment has been disbursed. You can go to My Account under “Withdrawals and Changes to Installment Payments” or call the ThriftLine at 1-877-968-3778 and choose option 3 to speak with a Participant Service Representative to find out the status of your request.

Your withdrawal could take longer if your agency or service delays reporting your separation from federal service, or if there is some type of hold on the account.

Note that withdrawal processing times vary, but processing begins when your request is received. If you want your withdrawal to take place in the next calendar year, wait until then to submit your request. You cannot submit a withdrawal request and specify some future time for the disbursement to take place.

If your vested account balance is $200 or more, you never have to take a withdrawal from your account except for required minimum distributions, which start once you’re both separated from service and age 70½ or older.

If you decide you want money from your account, there are three basic methods:

  • TSP installment payments (a fixed dollar amount or one based on life expectancy)
  • single withdrawals ($1,000 minimum)
  • annuities (purchased for you from our annuity vendor; $3,500 minimum)

You can choose any of these options or any combination of them.

In addition, if you have both Roth and traditional money in your account, you can choose to have your payment come from your traditional balance only, from your Roth balance only, or pro rata (proportionally) from both balances. Pro rata from both balances is the default option. Note that if you choose traditional only or Roth only for installments, your payments will continue after your chosen balance runs out. At that point your payments will begin coming from the balance you did not choose.

For single withdrawals and fixed-dollar-amount TSP installment payments expected to last less than 10 years, you can also transfer payments to an IRA or eligible employer plan.

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

See how easy it is to complete this form.

Let our online wizard help you with your beneficiary designation. 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.

Are you separated from federal employment?

If you are separated from federal employment, you may change your address online at My Account: Profile Settings. You will need to enter your TSP account number and your web password to make this change. You may also call the ThriftLine to change your address. Active participants must notify your agency or service when you have an address change.

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.

  • Log in to My Account and access the online wizard under "TSP Loans" to help you with your loan request.

Automatic Enrollment Refund Request

You must submit this form within 90 days of the date of the first contribution of your automatic enrollment. Has it been less than 90 days since your first contribution?

You are ineligible to receive an automatic enrollment refund. Please call the ThriftLine if you have any questions.

See how easy it is to complete this form.

Let our online wizard help you complete your court order. 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.

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