What Are The TSP Contribution Limits For 2025?

Thrift Savings Plans are one of the most common outlets for retirement savings contributions for their stability and benefits. As an income earner with a TSP, you’ll want to keep up with the annual changes to your contribution limits to make the most of the federal employee retirement system. Federal Educators is here to keep you up to date with the latest TSP contribution limits for 2025 so you can enjoy a hearty and stress-free retirement!

Your New Standard Employee Contribution Limit For Thrift Savings Plans In 2025

Many income earners with TSP accounts will want to know their standard employee contribution limit so they can maximize their savings. This limit has increased for 2025 so you can contribute even more and watch your federal employee retirement benefits compound over time! The TSP standard employee contribution limit for 2025 increased to $23,500 which is up by $500 from last year. This was the same amount of increase between 2023 and 2024, going up a total of one-thousand dollars in just a couple of years.

Meeting the maximum contributions for your TSP account can bring you even more funding when you retire. If you have your contributions set to be automatically taken from your bank account or paycheck each month, meeting your new maximum limit is as easy as adjusting the amount of your automatic contributions.

What’s New With TSP Catch-Up Contributions In 2025?

TSP catch-up contributions are another way for federal employees aged 50 and over to fund their retirement outside of the standard employee contribution. For 2025, the TSP catch-up contribution limit has been increased according to the exact age group. Take a look at the chart below:

2025 TSP Catch-Up Contributions
Ages 50-59	Ages 60-63	Ages 64+
$7,500	$11,250	$7,500

Reaching the maximum contributions for both your standard employee contributions and catch-up contributions combined is a great way to secure your federal retirement benefits. Federal employees aged 60-63 are at a greater advantage with a higher catch-up contribution limit for a total TSP limit of $34,750. If you fit this age group, it’s best to capitalize on this opportunity to supply your federal retirement pay.

Planning Around 2025 Thrift Savings Plan Updates

With higher TSP contribution limits for 2025, now is the best time to capitalize on your federal retirement plan. For efficient savings through TSP contributions, pay mind to the following tips:

• Spread out your TSP contributions evenly throughout the year to maximize employer matching.
• Plan to adjust your TSP contributions on your birthday if you will be transcending age groups and new limits.
• Meet with a financial advisor to ensure that your FERS retirement plan is on the right track.

With current knowledge of your yearly TSP contribution limits and proper retirement planning, you can ensure efficient savings each year until retirement.

Let Federal Educators Fine-Tune Your Thrift Savings Plan For Success!

Federal Educators has all of the tools you need for smart retirement planning near you. Take a look at the Federal Educators Thrift Savings Plan overview page for more details on TSPs and attend our educational workshops to receive valuable advice from certified federal employee benefits professionals!