Why this site exists
In 2026, Thrift Savings Plan participants gained the ability to convert traditional balances to Roth directly inside the plan for the first time. It is a meaningful decision with lasting tax consequences, yet clear, plain-language explanations built specifically for federal employees and military members are still hard to find.
This site was created to fill that gap. Its goal is simple: help you understand what a TSP Roth in-plan conversion is, run your own numbers with a free calculator, and walk into any conversation with a tax professional already knowing the right questions to ask.
How we approach accuracy
Retirement and tax topics fall into what is often called "your money or your life" territory, so accuracy matters. Our approach reflects that:
- We explain concepts in plain terms and show our work, including a worked example on the calculator page.
- We point to primary, official sources, such as the Thrift Savings Plan and the Internal Revenue Service, rather than asking you to take our word for it.
- We are explicit about what the calculator does and does not account for, and we label its output as an estimate, not advice.
- We review content as rules change, since tax provisions and plan features are updated over time.
For the full detail on our sourcing, review process, and how the site is funded, see our Editorial Standards.
What this site is not
This site provides general educational information and estimates. It does not provide personalized tax, legal, or investment advice, and using it does not create any professional relationship. A conversion decision depends on details unique to you, so we encourage you to confirm specifics with the official resources and to consult a qualified tax professional or financial planner before acting.
Independence: This is an independent resource. It is not affiliated with, endorsed by, or connected to the Thrift Savings Plan, the Federal Retirement Thrift Investment Board, the Internal Revenue Service, or any government agency. Any references to these organizations are for informational purposes only.
Who runs it
This site is published and maintained independently by the team behind tsprothcalculator.com, which builds free educational financial tools. If you have feedback, spot something that needs updating, or have a question, we would genuinely like to hear from you.
Contact
The best way to reach us is by email. We read every message, though we cannot provide individual financial or tax advice.
contact@tsprothcalculator.com