Roth in-plan conversions available in your TSP

[Ruralinfo]

As of January 28, 2026, you have the option to convert money from your traditional TSP balance to a Roth TSP balance through a Roth in-plan conversion. This transaction is available in My Account. This option is available to all TSP participants with an eligible traditional TSP balance: Active participants (current federal civilian employees and uniformed services ... Read more

Roth in-plan conversions available in your TSP - Ruralinfo.net

www.ruralinfo.net

 

[PostalBlue]

As of January 28, 2026, you have the option to convert money from your traditional TSP balance to a Roth TSP balance through a Roth in-plan conversion. This transaction is available in My Account. This option is available to all TSP participants with an eligible traditional TSP balance: Active participants (current federal civilian employees and uniformed services ... Read more

Roth in-plan conversions available in your TSP - Ruralinfo.net

www.ruralinfo.net

But beware, if you do elect to do the conversion to the Roth TSP then your future company matching contribution does not go in the Roth it continues in traditional. This is what Ive been told by a federal benefits worker. So instead of triple compounding effect you’ll just have double compounding.

 

[Jay12345]

But beware, if you do elect to do the conversion to the Roth TSP then your future company matching contribution does not go in the Roth it continues in traditional. This is what Ive been told by a federal benefits worker. So instead of triple compounding effect you’ll just have double compounding.

the matching contributions always go into traditional, even if you are only contributing to Roth

 

[ATCBigE]

Taking full advantage of this right now at my age and with what little debt I have....... This will be well worth it.

 

[RammerJammer]

Taking full advantage of this right now at my age and with what little debt I have....... This will be well worth it.

I think it makes sense if you convert enough to not exceed the 12% tax bracket which is $96,950 for married filing jointly. Do you plan on converting a big chunk at once or spread it out over the year. It seems you’d want to get the benefit of compounding in Roth the sooner the better. Plus you have almost 15 months before taxes are due.

 

[ATCBigE]

I think it makes sense if you convert enough to not exceed the 12% tax bracket which is $96,950 for married filing jointly. Do you plan on converting a big chunk at once or spread it out over the year. It seems you’d want to get the benefit of compounding in Roth the sooner the better. Plus you have almost 15 months before taxes are due.

Sadly I am pretty much stuck in the 22% because of my 2nd job (without 2nd job it would be 50/50 depending on Saturdays I work), but I have a good break on taxes because I had a stock that I bought long time ago that just sudden went into the tank so I sold that stock for a big lost (it was in personal account so I can do that), so in reality I just paid a good chunk of the taxes with selling that stock off. It won't pay all of it, but it will pay a GOOD CHUNK of it, which is why I am doing this now. I was waiting for a reason to sell this stock and take that tax break and this was what I thought was the perfect time to do it.

I converted it all at once. Rather it make more money now than just wait and pull little out at a time or a year.

 

[RammerJammer]

I think it makes sense if you convert enough to not exceed the 12% tax bracket which is $96,950 for married filing jointly. Do you plan on converting a big chunk at once or spread it out over the year. It seems you’d want to get the benefit of compounding in Roth the sooner the better. Plus you have almost 15 months before taxes are due.

The 2026 limit for the 12% tax bracket for married filing jointly increases to $100,800.