This tool is for one specific situation: you want your TSP withdrawal to come from a specific fund while leaving your other funds untouched.

For most people, the simplest approach is to just take your withdrawal and then do a single Interfund Transfer to rebalance. That works great and you should do that if it fits your situation.

But if you’re running a strategy where it matters … like pulling living expenses only from G Fund while leaving your C and S Fund positions completely alone, TSP won’t let you do that directly. Every withdrawal gets carved up across all your funds proportionally. That’s just how TSP works. That’s what they call “pro-rata.”

This tool figures out a temporary pre-withdrawal allocation so that when TSP takes its pro-rata slice, the money effectively comes from the fund you want. One Interfund Transfer before the withdrawal, then you’re done.

Quick example: $1,000,000 total · G 25%, C 50%, S 15%, I 10% · Want to withdraw $40,000 from G only. Tool says: temporarily set your mix to G 21% · C 52% · S 16% · I 11%, then withdraw. Your C, S, and I positions are effectively untouched.

1Your TSP balance & current allocation
Current allocation — must add up to 100%
G Fund %
F Fund %
C Fund %
S Fund %
I Fund %
Enter your allocations above
2How much to withdraw, and from which fund?

Enter the dollar amount you want to effectively come from each fund. Leave any fund at $0 if you don't want money taken from it.

From G
From F
From C
From S
From I
Total withdrawal: $0
Please fix the following before continuing:
    ✅ Your pre-withdrawal instruction
    Allocation detail
    FundBefore IFTSet to (pre-withdrawal)After withdrawal %

    The After withdrawal % column confirms your remaining balance lands back at your original allocation. ✓ = matches. Small differences from rounding are normal. Always confirm at tsp.gov before acting.

    Disclaimer

    The TSP Single-Fund Withdrawal Tool is for education and planning only. It models how you might approximate a single-fund withdrawal by adjusting your account mix before requesting a withdrawal, given TSP’s pro-rata withdrawal rules.

    This tool does not guarantee outcomes. Results depend on your inputs and assumptions (market movement between rebalance and withdrawal, processing times, rounding, fund allocation drift, tax choices, Traditional vs. Roth splits, etc.). It is not affiliated with, endorsed by, or a substitute for the official TSP rules or systems, and it is not financial advice.

    For official guidance and exact figures, review current TSP withdrawal rules and consult the ThriftLine or a qualified fiduciary advisor before taking action.

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