TSP, 401(k), 457, HSA & Roth Options: The Complete Federal Employee Savings Guide 2026
💼 Warrior Retirement · Savings Plans Complete Guide · Updated 2026 TSP, 401(k), 457, HSA & Roth Options Federal Employee Playbook 2026 Federal employees have access to more tax-advantaged savings vehicles than almost any worker in America — and Roth options now exist across nearly every account type. Here is how to stack them all legally, efficiently, and powerfully with the correct 2026 limits. 📅 April 2026 ⏱ 18 min read 🛡 Warrior Retirement ⚡ Quick Answer — 2026 Corrected Numbers In 2026, federal employees can contribute $24,500 to TSP ($35,750 at ages 60–63 with super catch-up), $7,000 to a Roth or Traditional IRA , and $4,300–$8,550 to an HSA . Roth options now exist for every major account — Roth TSP, Roth IRA, Roth 457(b), and Roth 403(b). A federal employee ages 60–63 with family HDHP coverage can shelter over $53,300/year in tax-advantaged accounts — creating tax-free and tax-deferred income streams that dramatically reduce li...