Warrior Retirement

The IRS has updated TSP contribution limits for 2026 , and every federal employee and military member needs to know exactly how much they can save this year. Getting this wrong means either leaving money on the table or accidentally over-contributing — both costly mistakes. This guide from Warrior Retirement gives you the complete breakdown of every 2026 TSP limit , agency matching rules, and the tactical strategies to squeeze every dollar of tax-advantaged growth out of your Thrift Savings Plan . 2026 TSP Contribution Limits: The Complete Breakdown Regular Employee Contributions (Elective Deferral Limit) The 2026 annual limit for regular TSP contributions is $23,500 . This applies to all federal employees and military members regardless of age. This is the maximum you can contribute from your own paycheck through traditional or Roth TSP contributions. Catch-Up Contributions (Ages 50+) If you are age 50 or older at any point during 2026, you can contribute an additional $...

Breaking: The SECURE 2.0 Act has introduced major changes to catch-up contributions that directly affect every federal employee over age 50. If you are not paying attention to these new rules, you could be leaving tens of thousands of dollars on the table — or worse, making contributions that violate new IRS requirements. At Warrior Retirement , we break down exactly what changed, who is affected, and the tactical moves you need to make right now. What Changed With SECURE 2.0 Catch-Up Contributions? The SECURE 2.0 Act , signed into law as part of the broader retirement reform legislation, introduced several significant changes to how federal employees can make catch-up contributions to their Thrift Savings Plan (TSP) starting in 2026: 1. New Super Catch-Up for Ages 60-63 This is the biggest change. Federal employees between ages 60 and 63 can now contribute an additional $11,250 in catch-up contributions — significantly more than the standard $7,500 catch-up for those...