Quick Calculator

TDA Growth Calculator

See how your TDA could grow by retirement. Split your money across the seven TRS Passport funds and we'll project the blended result.

This is an educational estimate based only on the information you entered. It is not an official TRS benefit calculation and may not reflect current rules or your full circumstances. Before making any final or irrevocable retirement election, confirm your numbers with TRS directly and consult your union rep, a CPA, and an attorney.

Your TDA

Fund allocation — how your money is split (must total 100%)
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Total: 100%

Projected balance at retirement

Fill in your TDA details to see a projection.

How this is calculated (sources)

Formula: FV = balance × (1+r)^n + contribution × [((1+r)^n − 1) / r], where r is your blended annual return across the funds you chose and n is years to retirement. If you enter a percent, your annual contribution = salary × that percent.

Fixed Return Fund (TRS): a guaranteed 7%/yr for UFT-represented members, 8.25%/yr for others.

The six variable funds each use an illustrative return band (they produce the low–high range). These are conservative planning bands, deliberately below TRS's exceptional recent 10-year results (TRS historical returns — e.g., Diversified Equity ~13%, Sustainable ~13.9%, International ~9.7%):

  • Diversified Equity 6–10% · Sustainable Equity 6–10% · U.S. Equity Index 6–10%
  • International Equity 4–8% · International Equity Index 4–8% · Balanced 4–7%

These bands are illustrative assumptions, not forecasts or recommendations. Actual returns vary and are not guaranteed; past performance does not predict future results. This is not investment advice.

Contribution limits (2026): $24,500 base (IRS), plus $8,000 catch-up at 50+ or $11,250 at ages 60–63.

Values current as of 2026-07-16 and flagged for verification.