The number of Thrift Savings Plan (TSP) accounts with balances of at least $1 million remained close to an all-time high in October.
According to Federal Retirement Thrift Investment Board (FRTIB) data, 224,130 accounts had reached the $1 million mark as of October 1, 2026. That’s only 290 fewer than the record of 224,420 set on July 1 and approximately 29,400 more than the total at the end of 2025.
The latest figures show how many participants have accumulated substantial retirement savings, although account balances vary widely across the TSP.
| Account balance | Number of accounts | Share of accounts | Average years contributing |
| Under $50,000 | 4,121,900 | 56.1% | 6.07 |
| $50,000 to $249,999 | 1,939,672 | 26.4% | 13.67 |
| $250,000 to $499,999 | 631,674 | 8.6% | 19.28 |
| $500,000 to $749,999 | 280,116 | 3.8% | 22.03 |
| $750,000 to $999,999 | 146,727 | 2.0% | 23.93 |
| $1 million or more | 224,130 | 3.1% | 27.34 |
FRTIB data as of October 1, 2026. Figures include 7,344,219 civilian and uniformed services accounts but exclude beneficiary accounts.
TSP Millionaire Numbers Continue to Track Market Performance
The slight decline from July’s record came during a period of market fluctuations, including weakness in the S Fund and changes in bond prices. Even so, major TSP stock funds posted positive year-to-date returns through September 30.
The I Fund led the group with a 16.45% return, followed by the C Fund at 12.73% and the S Fund at 11.62%.
The number of TSP millionaire accounts can change significantly as markets move. In 2022, the total fell approximately 42% from its earlier level before recovering and eventually reaching new highs.
How Much Does the Average TSP Account Hold?
The average TSP account balance is approximately $157,000. However, averages differ among retirement systems, with FERS participants holding an average of $234,000 and CSRS participants averaging $258,000.
The overall average is lower partly because the TSP also includes military and beneficiary accounts.
It’s also worth remembering that millionaire accounts represent only a small portion of the program. Just 3.1% of accounts held at least $1 million, while more than half had balances below $50,000.
TSP Assets Exceed $1.1 Trillion
Total TSP assets reached approximately $1.158 trillion through September 2026. During the period, withdrawals and new loans exceeded new investments and loan repayments by more than $17 billion.
For individual participants, the national totals are interesting, but the more important question is how their own savings are progressing toward retirement goals. FFEBA’s TSP calculator can help estimate how contributions, investment returns, and time may affect a future account balance.
