Supersede Thrift Savings Plan
Reference Number: NFC-25-1766499327
Published: December 29, 2025
Effective: Pay Period 25, 2025
Summary
This bulletin supersedes the Thrift Savings Plan (TSP) bulletin dated December 12, 2025, to update the combined elective deferral and catch-up limit for ages 60, 61, 62, and 63 to $35,750. All other information remains the same.
Effective January 1, 2026, the TSP elective deferral limit is changing to $24,500. This limit applies to the combined total of Traditional and Roth contributions. This limit does not include matching contributions.
Implementation
Employees should enter the total amount per pay period they want to contribute to their TSP on the TSP-1, Election Form. Employees 50 and older can make catch-up contributions in addition to the elective deferral. Both the elective deferral and the catch-up contributions are entered in the applicable Traditional (Pre-Tax) Contributions Amount or Roth (After-Tax) Contributions Amount fields on the TSP-1. The contributions will automatically start counting toward the IRS catch-up limit after the employee meets the IRS elective deferral limit. The election will carry over each year until the employee submits a new one.
- Employees under 50 have the IRS elective deferral limit. The elective deferral limit is $24,500.
- Employees aged 50 and older have a catch-up limit in addition to the IRS elective deferral limit. The catch-up limit is $8,000 and the combined elective deferral and catch-up limit is $32,500.
- Employees turning 60, 61, 62, and 63 have a higher catch-up limit. The catch-up limit is $11,250 and the combined elective deferral and catch-up limit is $35,750.
- Employees turning 64 and older have the lower, regular catch-up limit for employees over 50. The catch-up limit is $8,000 and the combined elective deferral and catch-up limit is $32,500.
TSP contributions are reported each tax year; therefore,TSP contributions for tax year 2026 will include PP 25, 2025, through PP 24, 2026.
Inquiries
For questions about National Finance Center (NFC) processing, authorized Servicing Personnel Office representatives should contact the NFC Contact Center at 1-855-NFC-4GOV (1-855-632-4468) or via the customer service portal at ServiceNow Portal for Federated Users and at ServiceNow Portal for Non-Federated Users.