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TSP Draw Estimator

Estimate your net monthly TSP draw, early-withdrawal penalty, and account depletion timeline for Traditional, Roth, and blended TSP balances.

Pre-tax. Withdrawals taxed as ordinary income.

After-tax. Qualified withdrawals tax-free.

10% early-withdrawal penalty applies if under 55 (Rule of 55).

TSP Lifecycle funds average ~6–7% historically. Use a conservative rate.

Gross withdrawal amount before taxes and penalties.