Do any of you pipe hitters know if your tsp contribution turns off automatically if you hit the $19,500 annual limit. Context: I have a buddy about to deploy and he’s worried that if he ramps up contributions to 100% he will over contribute.

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PSA: When you deploy, always max your Roth IRA first. Since you pay no taxes on your income and no taxes on your Roth gains, it's the only truly untaxed investment in existence.


Great point.

As most have said, TSP will turn off once the max is hit. Now, if he has another 401(k) and contributing to that too, there’s no way either broker will know when the max is hit.

The SDP allows you to earn 10% interest on $10k while in a combat zone + 3 months.

Now, I wasn’t this smart when I last deployed, but maybe your buddy could do a backdoor Roth IRA. Since his taxable income will be next to $0 (if not $0), he could skirt a lot of taxes.


The company is tsp.


TSP will automatically turn off once you hit the max. In Iraq and Afghan we also had the savings deposit program where you could get a crazy interest rate for depositing some cash for 12 months. It might not be a thing anymore though. I also think the TSP limit for standard, not Roth, used to be way higher if you were in a combat zone.



Depends on the company. EY balances it out. Some companies stop contributing unless you progressively hit the 19500 max throughout the year

Assuming he may not have the means to change his contributions down range, why would he not just calculate the $812/paycheck. He may also be eligible to contribute more because he’s deployed.

He could do that but what if you’d prefer to max out while deployed and could have more cash flow when you return to the states. This method is beneficial because you’re spending is restricted while deployed. It’s a matter of preference.


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