How to Check Your TSP Account Balance

The Thrift Savings Plan (TSP) is a retirement savings and investment program for federal employees and uniformed service members. It offers similar benefits to private sector 401(k) plans, allowing participants to save a portion of their income for retirement. Regularly reviewing your TSP account balance is important for effective financial planning and to ensure your investments align with long-term financial goals.

Accessing Your TSP Account Online

To check your TSP account balance online, navigate to the official TSP website at tsp.gov/login. You will then be prompted to enter your username and password.

The TSP system incorporates multi-factor authentication for enhanced security. After entering your credentials, you will typically receive a one-time passcode via text message or voice call to your registered phone number. This two-step verification process helps protect your account from unauthorized access. All participants were required to set up new login credentials after June 1, 2022.

After logging into your account, your current balance is displayed on the main dashboard or within the account summary section. The online portal also allows you to view detailed transaction histories and manage your investment allocations. For convenient access on mobile devices, the official TSP Mobile App provides similar functionalities for checking your balance and managing your account.

Alternative Methods for Balance Inquiry

Beyond the online platform, you can access your TSP account balance through the ThriftLine phone system. Dial 1-877-968-3778. You will need your 6-digit ThriftLine PIN to authenticate your identity and access your account information.

The ThriftLine operates Monday through Friday, from 7:00 AM to 9:00 PM Eastern Time. If you require assistance from a customer service representative, you can typically select menu option 3 during the call. This allows you to inquire about your balance and other account details over the phone.

Another method for balance inquiry involves receiving periodic statements by mail. The TSP typically sends quarterly statements. These statements provide a snapshot of your account’s performance and balance as of the statement date. While annual statements will increasingly be delivered electronically starting in 2025 if an email address is on file, you can still opt to receive them by postal mail.

Understanding Your TSP Statement

Your TSP statement, whether accessed online or received by mail, provides a comprehensive overview of your retirement savings. The account balance reflects the total current value of your investments within the plan. This balance is a dynamic figure that changes with contributions, withdrawals, and investment performance.

The statement also itemizes your contributions, distinguishing between your own employee contributions and any contributions made by your agency. This includes Agency Automatic (1%) Contributions and Agency Matching Contributions. The statement also details the earnings or losses your investments have experienced, illustrating how market fluctuations impact your overall balance.

The fund allocation section shows how your balance is distributed across investment options. These include:
G Fund (Government Securities)
F Fund (Fixed Income)
C Fund (Common Stock)
S Fund (Small Cap Stock)
I Fund (International Stock)
Many statements also show allocations to Lifecycle Funds (L Funds), which are target-date funds.

Your TSP statement also provides information regarding your vesting status. You are immediately vested in your own contributions and Agency Matching Contributions. Agency Automatic (1%) Contributions typically have a vesting requirement; for most FERS civilian employees, this is three years of service, while uniformed service members and individuals in specific positions generally vest after two years. If you separate from service before meeting the vesting requirement for the Agency Automatic (1%) Contributions, those contributions and their earnings may be forfeited.