BRS — Blended Retirement System (Match Up to 5% of TSP)
Service members under BRS get DoD-matching TSP contributions: automatic 1% government contribution plus up to 4% match on your own contributions, vesting at 2 years of service. Contribute at least 5% of base pay to get the full match — anything less is leaving free money on the table.
How to access
Restrictions
Match calculated on base pay only — not BAH, BAS, or special pays. Vests at 2 years for service members. Stop-contributing-at-5% is the rookie mistake; contribute as much as your budget allows up to IRS annual elective deferral limit ($23,500 in 2025). Check MyPay every PCS — match has been documented to silently stop after admin errors.
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