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TSP Catch-Up

TSP catch-up contributions are supplement tax-deferred employee contributions that employees can make to TSP beyond the maximum amount they can contribute through regular contributions. In 2015, employees could contribute up to $6,000 in catch-up contributions. The 2016 limit for catch-up contributions remains at $6,000.

To be eligible to make catch-up contributions, the following conditions must apply:

Eligible employees can contribute up to the annual maximum dollar amount allowed by the IRS elective deferral limit. Catch-up contributions have an annual IRS limit of $6,000 for 2016, which are subject to annual increases for inflation.

Since catch-up contributions are supplemental, they do not count against the IRS elective deferral limit. However, the combination of regular and catch-up TSP contributions cannot exceed the total IRS contribution limit for the year. For example, for 2015, TSP contributions cannot exceed $24,000 (i.e., the $18,000 elective deferral limit on regular TSP contributions, plus the $6,000 catch-up contributions limit).

Catch-up contributions apply to the year during which they are made, even if they are posted to the TSP account in the following year (i.e., employee contributions for the last pay date in December may not be posted until January, but will be counted toward the limit in December).

Catch-up contributions can only be made from the employee’s basic pay. Bonuses or special pay and incentive pay for members of the uniformed services, cannot be applied towards catch-up contributions.

Note: Matching contributions do not apply to catch-up contributions.

In This Section

Enter TSP Catch-Up Contributions

See Also

Personal Information

Debt Management

Direct Deposit

Earnings and Leave Statements

Ethnicity and Race Identification (ERI), Gender, and Disability

Financial Allotments

Federal Tax (W-4)

Flexible Spending Accounts

Health Insurance

Health Savings Account

Life Insurance

Leave

Residence Address

State Tax

Thrift Savings Plan

Veteran Status and Preference

W-2

1095-C

Miscellaneous