Thrift Savings Plan withdrawals are required once you turn 72. If you choose to put the money into a Roth IRA, you can pay the income taxes on the distribution now.

Thrift Savings Plan contribution limits are $23,500 in 2025, up from $23,000 in 2024. Plus, new super catch-up limits for people ages 60-63.

The Thrift Savings Plan is the federal government’s defined contribution retirement savings plan. It consists of a traditional option similar to a 401(k) and a Roth option.

Thrift Savings Plan contribution limits are rising to $23,500 in 2025, up from $23,000 in 2024. Plus, new catch-up limits for people 60-63.