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For TSP, 2026 Brings Higher Investment Limits, In-Plan Roth Conversion Option

The standard investment maximum investment limit for TSP investors is rising for 2026 from $23,500 to $24,500; that is the “elective deferral limit” applying in the TSP along with other similar tax-favored retirement savings plans, and applies to the combination of traditional pre-tax investing and Roth after-tax investing, for those making both types

A separate general “catch-up contribution” limit for TSP investors who are—or who will be by the end of the year—age 50 or above also is rising, from $7,500 to $8,000; that also applies to a combination of traditional and Roth investing, for those making both types. Those age 60, 61, 62, or 63 in a given year have a higher catch-up limit of $11,250, unchanged.

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