The Thrift Savings Plan (TSP) contribution limits have been announced for 2025. The 2025 IRS annual limit for regular TSP contributions is $23,500. In addition to regular TSP contributions, you may also make TSP Catch-up contributions, if you are age 50 or older (or will be turning age 50 in 2025). The 2025 IRS annual limit for Catch-up contributions is $7,500. However, for employees ages 60-63, the Catch-up limit is $11,250.
If you are eligible to make TSP Catch-up contributions, any contributions you make beyond the $23,500 for regular TSP will automatically start counting toward the Catch-up limit. This is known as “spillover,” which simplified the TSP Catch-up process. Because of “spillover,” you no longer enter a separate TSP Catch-up election.
For detailed information on making your TSP election for 2025, view the TSP announcement.
If you have questions, refer them to your Benefits Contact or AskBenefits@nih.gov.