Reply to TSP 2026 new catch up Roth requirement

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Reply to "TSP 2026 new catch up Roth requirement"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Are you planning to max out? The catch up in Roth has been in effect, and I just set my contributions as the max for pretax (which was $900 something) and then put another $300-ish per pay period into Roth. As I am looking at retirement I now have so much in pretax, that I want to put as much into Roth as possible but I can’t find a number telling me how much that is (I make too much to have a Roth outside of the TSP).[/quote]

The max contributions are the same for pretax or Roth for the TSP. If you want to switch to maxing out Roth TSP you can put $24500 + $8000 catchup for 2026 (annual) = $1250 per pay period. [/quote]

I agree with the above (putting entire $32,500 in traditional).  If you were to put $24,500 into traditional and $8,000 into Roth, you would be contributing over the max limit of $24,500.  The payroll system is not going to view your $8k Roth contribution as a catchup.  [/quote]

The payroll system will absolutely view the $8k *Roth TSP* contribution (on top of a $24,500 contribution) as catchup as long as you are 50 or older in 2026. They stopped having a separate "catchup" designation in the payroll system as of last year. As noted above, for the 50+ PP that wants to direct it all to Roth TSP, all they need to do is put $1250 per pay period into Roth TSP. ($1373 for those who are 60 to 63). Note: all agency match funds will go to the traditional TSP fund.

Finally, talk to a financial advisor if you are thinking about doing any in-plan conversions of traditional to Roth TSP, as that incurs immediate tax consequences.[/quote]

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