What changed: 2027 TSP limits are still pending, and Roth catch-up now applies to higher earners

By the FERS Made Easy editorial team · Last updated October 26, 2026

Short answer: As of October 26, 2026, the 2027 TSP contribution limits have not been announced. The IRS sets them, and the TSP posts them in a bulletin once they are out. Until then, the official 2026 limits apply: $24,500 in regular contributions, a $8,000 catch-up if you are 50 or older, or $11,250 if you turn 60, 61, 62 or 63 this year. Since January 1, 2026, if your 2025 wages from TSP-eligible jobs were over $150,000, every catch-up dollar you contribute must go to Roth.

The official limits

We will update this table when the TSP publishes its 2027 bulletin. We don't publish private forecasts as fact.

Roth catch-up for higher earners (SECURE 2.0, Section 603)

• Starts in 2026, based on your 2025 wages from TSP-eligible positions. The threshold for 2025 wages is $150,000.
• If it applies to you and your election includes traditional contributions, the TSP switches your contributions to Roth automatically once you reach the $24,500 limit.
• Roth contributions go in after tax withholding, so you pay income tax on them now.
• If you hold more than one TSP-eligible federal job, those wages are added together. Wages from a non-federal employer don't count.
• Your payroll office can tell you your 2025 wages.

The age 60–63 catch-up (SECURE 2.0, Section 109)

• For 2026 the higher $11,250 limit covers participants born 1963–1966.
• In the year you turn 64, you go back to the regular catch-up limit.

What this means when you retire

• More Roth money now means more tax-free withdrawals later (if the Roth rules are met), and Roth balances aren't counted for TSP required minimum distributions.
• To see how long your balance could last, try the TSP Withdrawal calculator, and read TSP withdrawal options.

Official sources

• TSP Bulletin 25-3: 2026 TSP contribution limits
• TSP: SECURE 2.0 and the TSP
• TSP: Taking money from your account (RMDs)