Contribution limits matter because they help you decide whether your current payroll election is enough to reach your retirement savings target.
2026 TSP limits
For 2026, TSP lists the elective deferral limit as $24,500. The regular catch-up limit for participants age 50 and older is $8,000, and the higher catch-up limit for ages 60-63 is $11,250.
| Category | 2026 Limit |
|---|---|
| Elective deferral | $24,500 |
| Regular catch-up, age 50+ | $8,000 |
| Higher catch-up, ages 60-63 | $11,250 |
Planner tip
Estimate the per-pay-period amount needed to hit your annual goal. If you contribute too much too early, you may miss matching contributions later in the year depending on your payroll and agency/service rules.
Official reference: TSP contribution limits and TSP 2026 contribution limits bulletin.