TSP Growth & Drawdown Calculator

Project your TSP's growth to retirement, or if you're already retired, simulate a drawdown strategy to see how you'll turn that nest egg into income.

How to Use This Calculator

  • • Choose whether you're planning for retirement or currently retired
  • • Enter your current TSP balance and contribution details
  • • Select your investment strategy (Fund Allocation, L Fund, or Custom Rate)
  • • View projections with return variability scenarios
  • • For retirees, simulate different withdrawal strategies

🔒 Your Privacy Protected: For your security, we do not store any of your financial information. All calculations are performed in your browser and cleared when you close it.

📚 Educational Tool: This calculator is for educational and planning purposes only. Results are estimates based on the information you provide and should not be considered financial advice. Always consult with a qualified financial advisor for personalized retirement planning guidance.

📊 Note About Calculation Precision: This calculator uses the same TSP simulator logic as the Three Pillar Calculator. You may notice slight differences (a few cents) in the final results. This is a normal and unavoidable quirk of computer mathematics known as floating-point precision error. When computers perform calculations with fractions (like interest rates), they store them in binary, which can't perfectly represent every decimal. After many repeated calculations, these microscopic rounding differences can add up to a few cents. This does not mean the logic is wrong, and for projections of this scale, the difference is statistically insignificant.

TSP Growth & Drawdown Calculator

Project your TSP's growth to retirement, or if you're already retired, simulate a drawdown strategy to see how you'll turn that nest egg into income.

Planning for Retirement
Currently Retired

Step 1: Project Your Growth

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Enter your TSP allocation. Your total allocation must equal 100%. The return will be calculated using 10-year historical averages.

Understanding TSP Growth & Drawdown Strategies

  • Growth Phase: Maximizing contributions and selecting appropriate investment strategies based on your risk tolerance and time to retirement
  • Drawdown Phase: Balancing withdrawals to provide income while preserving your TSP balance for longevity
  • Return Variability: Shows optimistic, projected, and pessimistic scenarios to help you plan for different market conditions
  • Investment Strategies: Consider more aggressive allocations during growth phase and more conservative during drawdown
  • Always consult with a financial professional before making retirement planning decisions