Finance Friday Articles and JAN 2026 Roth TSP Changes
Two changes are coming to the TSP in January 2026 that may affect your Roth TSP contributions or Roth TSP balance. TSP will have more information about these changes on their website soon.
Catch-up contributions must be Roth if prior year wages above a certain amount
Beginning in 2026, catch-up contributions must be made to your Roth TSP balance if your wages from TSP-eligible positions are above a certain IRS threshold.
Roth in-plan conversions coming to the TSP in January 2026
Starting in January 2026, you’ll be able to convert money in your traditional (pre-tax) balance to your Roth (after-tax) balance in your TSP account. This is called a “Roth in-plan conversion.” If you don’t have a Roth balance in your TSP account, your first Roth in-plan conversion will create one.
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