💰 2026 Thrift Savings Plan (TSP) Contribution Limits
The Internal Revenue Code (IRC) has set the TSP contribution limits for 2026. Here is what you need to know about the annual Elective Deferral and Catch-up Contribution limits:
1. Annual Elective Deferral Limit
The standard annual limit for all participants will increase to $24,500.
2. Catch-up Contribution Limits
The Catch-up Contribution amounts for participants aged 50 and older have also increased:
| Age Group | Catch-up Limit | Total Maximum Contribution (Deferral + Catch-up) |
| Ages 50–59 and 65+ | $8,000 | $32,500 ($24,500 + $8,000) |
| Ages 60–64 (Higher Catch-up/Spillover) | $11,250 | $35,750 ($24,500 + $11,250) |
Key Information & Action Items
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Roth Requirement (Secure 2.0 Act): Federal employees must make all Catch-up Contributions as Roth Contributions.
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Action: You can make your TSP contribution elections using myPay.
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Note: There are 27 pay periods in 2026. Please plan your contributions accordingly.