New or Old Retirement Plan
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TSP Savings %3%Current Plan$1,105,823.65 Gov't Cost$881,555.40 TSP Savings %This field indicates what percentage of your yearly base pay you plan on contributing to your TSP each year. No matter how high you set this value your maximum contribution limit is still $18,000 a year and the spreadsheet will take that into account.
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% Retirement Invested0%Blended Plan$1,199,181.93 Gov't Cost $821,820.27 % Retirement InvestedThis indicates how much of your pension (after 20 years) you will put into retirement. The amounts contributed each year can be seen in the "Retirement Investments" rows below (only if have it set to serve 20 years or more).
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% Bonus Invested0%At the age defined in the "Age to begin Withdrawals" box you should have the calculated amount for the given retirement plan (red or green box above/left). This number is calculated using all the information you provided in the orangeish boxes.
The "Gov't Cost" portion represents how much the current retirement plan costs the government (red or green box above/right).
% Bonus InvestedWith the Blended Retirement system you get a bonus at 12 years of service. This % represents how much of that bonus you will invest. If you are going to go buy a new car with it set this number to 0%.
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Age to begin Withdrawals60Age to begin WithdrawalsThis represents what age you will begin withdrawing from your TSP. I recommend you leave it at 60. It is also the age where the totals for the current and blended ages are compared (represented by the green and red boxes to the right).
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Current TSP Savings$0Current TSP SavingsIf you already have savings in your TSP, input that amount into this box. If you haven't set up your TSP or haven't made any contributions, set it to $0.
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Investment Returns (estimate)6.00%Investment Returns
This number represents the rate at which you believe your investments will grow. It is wholey dependent upon which TSP fund you're invested in. However, here is what I recommend for each fund if you have all your savings in a single fund. L Fund: 6% - G Fund: 5.29% - F Fund: 6.45% - C Fund: 10.09% - S Fund: 8.37% - I Fund: 4.23%
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Year selected to start calculations2018201920202021202220232024202520262027202820292030203120322033203420352036203720382039204020412042204320442045204620472048204920502051205220532054205520562057205820592060206120622063206420652066206720682069207020712072207320742075207620772078207920802081208220832084208520862087208820892090209120922093209420952096209720982099
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Age (during selected year)2324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869707172737475767778798081828384858687888990919293949596979899100101102103104
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Years of Service (during selected year)
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Pay Grade (during selected year)O-1O-1O-2O-2O-3O-3O-3O-3O-3O-3O-4O-4O-4O-4O-4O-4O-4O-5O-5O-5O-5RETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIREDRETIRED
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Monthly Base Pay $ 3,034.80 $ 3,034.80 $ 3,982.20 $ 4,586.10 $ 5,398.20 $ 5,398.20 $ 5,657.10 $ 5,657.10 $ 5,940.90 $ 5,940.90 $ 6,887.40 $ 6,887.40 $ 7,230.30 $ 7,230.30 $ 7,468.50 $ 7,468.50 $ 7,605.60 $ 8,329.80 $ 8,565.00 $ 8,565.00 $ 8,798.10 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
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Yearly Base Pay $ 36,417.60 $ 36,417.60 $ 47,786.40 $ 55,033.20 $ 64,778.40 $ 64,778.40 $ 67,885.20 $ 67,885.20 $ 71,290.80 $ 71,290.80 $ 82,648.80 $ 82,648.80 $ 86,763.60 $ 86,763.60 $ 89,622.00 $ 89,622.00 $ 91,267.20 $ 99,957.60 $ 102,780.00 $ 102,780.00 $ 105,577.20 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
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Current $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20
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Blended $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 Current Plan
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Current PlanGovt Cost $ 3,163,228.20
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Total Invested Savings$0$1,092.53 $2,250.61 $3,819.24 $5,699.39 $7,984.70 $10,407.14 $13,068.12 $15,888.76 $18,980.81 $22,258.39 $26,073.35 $30,117.22 $34,527.16 $39,201.70 $44,242.46 $49,585.67 $55,298.82 $61,615.48 $68,395.81 $75,582.96 $83,285.25 $88,282.36 $93,579.31 $99,194.06 $105,145.71 $111,454.45 $118,141.72 $125,230.22 $132,744.03 $140,708.68 $149,151.20 $158,100.27 $167,586.28 $177,641.46 $188,299.95 $199,597.95 $211,573.82 $224,268.25 $237,724.35 $251,987.81 $267,107.08 $283,133.50 $300,121.51 $318,128.80 $337,216.53 $357,449.52 $378,896.49 $401,630.28 $425,728.10 $451,271.79 $478,348.09 $507,048.98 $537,471.92 $569,720.23 $603,903.45 $640,137.65 $678,545.91 $719,258.67 $762,414.19 $808,159.04 $856,648.58 $908,047.50 $962,530.35 $1,020,282.17 $1,081,499.10 $1,146,389.04 $1,215,172.39 $1,288,082.73 $1,365,367.69 $1,447,289.76 $1,534,127.14 $1,626,174.77 $1,723,745.26 $1,827,169.97 $1,936,800.17 $2,053,008.18 $2,176,188.67 $2,306,759.99 $2,445,165.59 $2,591,875.53 $2,747,388.06 $2,912,231.34
Savings/Govt Pay
$ 6,075,459.54
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TSP Investments $ 1,092.53 $ 1,092.53 $ 1,433.59 $ 1,651.00 $ 1,943.35 $ 1,943.35 $ 2,036.56 $ 2,036.56 $ 2,138.72 $ 2,138.72 $ 2,479.46 $ 2,479.46 $ 2,602.91 $ 2,602.91 $ 2,688.66 $ 2,688.66 $ 2,738.02 $ 2,998.73 $ 3,083.40 $ 3,083.40 $ 3,167.32 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
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Retirement Investments $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
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Yearly Post-TSP Income $ 35,325.07 $ 35,325.07 $ 46,352.81 $ 53,382.20 $ 62,835.05 $ 62,835.05 $ 65,848.64 $ 65,848.64 $ 69,152.08 $ 69,152.08 $ 80,169.34 $ 80,169.34 $ 84,160.69 $ 84,160.69 $ 86,933.34 $ 86,933.34 $ 88,529.18 $ 96,958.87 $ 99,696.60 $ 99,696.60 $ 102,409.88
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Retirement Income $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20 $ 51,856.20
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Blended Plan
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Blended PlanBONUSGovt Cost $ 2,647,158.51
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Total Invested Savings$0$1,456.70 $3,000.81 $5,092.31 $9,250.18 $14,339.68 $19,734.54 $25,670.58 $31,962.78 $38,870.90 $46,193.51 $54,750.54 $63,820.99 $73,723.70 $84,220.57 $95,547.35 $107,553.73 $120,395.66 $134,616.43 $149,888.01 $166,075.90 $183,430.85 $194,436.70 $206,102.91 $218,469.08 $231,577.23 $245,471.86 $260,200.17 $275,812.18 $292,360.91 $309,902.57 $328,496.72 $348,206.52 $369,098.92 $391,244.85 $414,719.54 $439,602.71 $465,978.88 $493,937.61 $523,573.87 $554,988.30 $588,287.60 $623,584.85 $660,999.94 $700,659.94 $742,699.54 $787,261.51 $834,497.20 $884,567.03 $937,641.05 $993,899.52 $1,053,533.49 $1,116,745.50 $1,183,750.22 $1,254,775.24 $1,330,061.75 $1,409,865.46 $1,494,457.39 $1,584,124.83 $1,679,172.32 $1,779,922.66 $1,886,718.02 $1,999,921.10 $2,119,916.36 $2,247,111.35 $2,381,938.03 $2,524,854.31 $2,676,345.57 $2,836,926.30 $3,007,141.88 $3,187,570.39 $3,378,824.61 $3,581,554.09 $3,796,447.34 $4,024,234.18 $4,265,688.23 $4,521,629.52 $4,792,927.29 $5,080,502.93 $5,385,333.10 $5,708,453.09 $6,050,960.28 $6,414,017.89
Savings/Govt Pay
$ 8,944,600.45
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Personal TSP Contribution $ 1,092.53 $ 1,092.53 $ 1,433.59 $ 1,651.00 $ 1,943.35 $ 1,943.35 $ 2,036.56 $ 2,036.56 $ 2,138.72 $ 2,138.72 $ 2,479.46 $ 2,479.46 $ 2,602.91 $ 2,602.91 $ 2,688.66 $ 2,688.66 $ 2,738.02 $ 2,998.73 $ 3,083.40 $ 3,083.40 $ 3,167.32 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
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Gov't Contribution (1%) $ 364.18 $ 364.18 $ 477.86 $ 550.33 $ 647.78 $ 647.78 $ 678.85 $ 678.85 $ 712.91 $ 712.91 $ 826.49 $ 826.49 $ 867.64 $ 867.64 $ 896.22 $ 896.22 $ 912.67 $ 999.58 $ 1,027.80 $ 1,027.80 $ 1,055.77
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Gov't Match (1-4%) $ - $ - $ - $ 1,651.00 $ 1,943.35 $ 1,943.35 $ 2,036.56 $ 2,036.56 $ 2,138.72 $ 2,138.72 $ 2,479.46 $ 2,479.46 $ 2,602.91 $ 2,602.91 $ 2,688.66 $ 2,688.66 $ 2,738.02 $ 2,998.73 $ 3,083.40 $ 3,083.40 $ 3,167.32
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Total TSP Contribution $ 1,456.70 $ 1,456.70 $ 1,911.46 $ 3,852.32 $ 4,534.49 $ 4,534.49 $ 4,751.96 $ 4,751.96 $ 4,990.36 $ 4,990.36 $ 5,785.42 $ 5,785.42 $ 6,073.45 $ 6,073.45 $ 6,273.54 $ 6,273.54 $ 6,388.70 $ 6,997.03 $ 7,194.60 $ 7,194.60 $ 7,390.40 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
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Retirement Investments $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
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Yearly Post-TSP Income $ 35,325.07 $ 35,325.07 $ 46,352.81 $ 53,382.20 $ 62,835.05 $ 62,835.05 $ 65,848.64 $ 65,848.64 $ 69,152.08 $ 69,152.08 $ 80,169.34 $ 80,169.34 $ 84,160.69 $ 84,160.69 $ 86,933.34 $ 86,933.34 $ 88,529.18 $ 96,958.87 $ 99,696.60 $ 99,696.60 $ 102,409.88
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Retirement Income $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96 $ 41,484.96
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BonusMin$18,075.75
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Max$93,993.90
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The minimum multiplier is 2.5 x months pay as a minimum with the max set at 15 x months pay. The average of the bonus min and max is calculated into savings amount for the purpose of this spreadsheet.The minimum multiplier is 2.5 x months pay as a minimum with the max set at 15 x months pay. The average of the bonus min and max is calculated into savings amount for the purpose of this spreadsheet.
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