Roth in-plan conversions available in your TSP

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 members)
• Separated and retired participants
• Spouse beneficiary participants

Some participants have anticipated this flexibility for years. While this is an important addition to the TSP, a Roth in-plan conversion may not be the right choice for everyone, or this may not be the right time to do one. Conversions can affect your income, taxes, future withdrawals, and other financial considerations.

Before you decide to do a Roth in-plan conversion, carefully review the new TSP booklet Roth In-Plan Conversions (pdf).

Remember, when you convert pre-tax money from your traditional TSP balance, your Roth in-plan conversion amount becomes part of your taxable income for the year. This means that you’ll owe income tax on the conversion amount at your income tax rate. You must pay the income tax on the conversion amount using personal funds from another source, such as a savings account. You cannot use part of the amount you’re converting to pay taxes.

We strongly recommend that you consult a tax advisor for help deciding whether a Roth in-plan conversion fits your personal financial strategy.