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TSP In-Plan Annuity
$—
$—/year
MetLife in-plan annuity, illustrative 5.7%/yr (TSP fund expense net of carrier margin). COLA limited.
Commercial SPIA Range
$—
$—/year
Top-rated commercial SPIA range (varies by carrier, current rate environment). Joint option reduces monthly payout.
Your full annual gap + 25-year lifetime shortfall
Get the exact annual gap and 25-year projected shortfall between the TSP in-plan annuity and the commercial SPIA range. Plus a free weekly briefing on Federal Retire Stack tools and rate updates.
Your Full TSP vs SPIA Gap
Annual Gap
$—
Commercial midpoint minus TSP in-plan
25-Year Lifetime Gap
$—
Compounded across a 25-year retirement
This is the upper bound of what you could capture by rolling your TSP into a top-rated commercial SPIA instead of annuitizing in-plan. Run that gap against your unique survivor benefit, FERS annuity, and Social Security timing with a Federal Retirement specialist.
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Illustrative only. TSP in-plan annuity is via MetLife at the TSP's published illustrative rate — actual payout depends on TSP election age and any TSP fund adjustments. Commercial SPIA range reflects top-rated carrier quotes for a representative single-premium immediate annuity; actual quotes vary by carrier, rate environment at issue, and underwriting class. Joint-life (50% survivor) reduces monthly payout by ~15%. The 25-year lifetime gap is a static projection and does not account for inflation, COLA riders, or partial annuitization strategies. [SEEK EXPERT ADVICE] from a licensed federal retirement specialist before making irrevocable annuitization decisions.