Monthly TSP Rebalance

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Explore an illustrative TSP outlook using your inputs and a monthly rebalance approach.

Takes about 2 minutes
Personalized projection
Risk-based fund mix
Monthly rebalance focus
Step 1 of 6

Tell us about yourself

We’ll build an illustrative estimate based on your timeline and risk comfort.

Profile details
These two inputs set the baseline for your retirement projection and how aggressively the model should think about time horizon.
01
Risk preference
Choose the description that feels most like you. We’ll use it to generate an illustrative future contribution mix and planning example.
02
Step 2 of 6

Your current TSP balances

Enter what you have in each fund — zeros are perfectly fine for unused funds.

Current fund balances
Enter your current balances exactly as they appear in your TSP account. Leave any unused fund at zero.
03
$
$
$
$
$
Monthly contribution amount
This is your total ongoing monthly contribution amount, including your contribution plus any agency match.
04
$
Include both your contribution and your agency's match.
FERS employees: Contribute at least 5% of your salary to get the full agency match — that's a dollar-for-dollar match on your first 3%, plus $0.50/dollar on the next 2%. It's effectively a 5% instant return before investments even start.
Step 3 of 6

Do you want to rebalance your existing TSP money?

This is separate from future contributions. Tell us whether you want to move the money you already have invested.

Existing balance strategy
This choice controls whether the illustrative example applies to your current account balance or only to new money going in from this point forward.
05
Please choose yes or no before continuing.
Step 4 of 6

Your illustrative allocation example

Based on your balances, time horizon, and risk preference, here is an educational example of how the mix could look.

Illustrative TSP mix based on your inputs

Current account snapshot

What to do with existing balances

    Illustrative mix for new contributions

    Step 5 of 6

    Moving forward, what should new contributions do?

    We’ve loaded an illustrative future contribution mix first. If you agree, keep it. If not, edit it before moving on.

    Illustrative contribution mix

    Confirm or adjust the suggested mix
    If the example feels right, keep it. If not, switch to edit mode and change the percentages before running the estimate.
    06
    We’ve preloaded an illustrative mix below so you can accept it or tweak it.
    Future contribution allocation
    The percentages below apply to new money only. Total allocation must equal 100% before you continue.
    Mix
    Fund Description Allocation %
    G Fund
    		 U.S. Treasury · Very Low · 0.034% · Principal guaranteed — no market loss possible
    %
    F Fund
    		 Bloomberg Agg Bond · Low-Med · 0.035% · 13,630 bonds · Rises when rates fall
    %
    C Fund
    		 S&P 500 · Medium · 0.035% · ~10.7% avg since 1988 · 500 large U.S. companies
    %
    S Fund
    		 DJ Completion · Med-High · 0.051% · ~9.8% avg since 2001 · U.S. stocks NOT in S&P 500
    %
    I Fund
    		 MSCI 44 Countries · High · 0.048% · 5,000+ stocks · Ex-USA, ex-China/HK
    %
    Total Allocation 100%
    Allocation must total exactly 100% before continuing.
    Step 6 of 6

    Illustrative TSP Projection

    Based on your inputs and assumed rates of return.

    Illustrative TSP Balance at Retirement
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    Important Disclosure

    This calculator provides a hypothetical, educational estimate based on the information you enter and assumed rates of return. It is not a guarantee of future performance, not investment advice, and not a recommendation to buy, sell, or allocate assets in any particular way. Actual results will vary, and investment losses are possible. Use of this calculator does not create an advisory relationship.

    Projection snapshot

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    Total Contributed
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    Investment Growth
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    Growth Multiple
    Existing balance decision:

    Suggested contribution mix

    Contribution vs growth

    Projected balance by fund

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