The Full-Year, Full-Contribution Rate allows you to contribute the highest allowable amount to your TDA account, by contributing at a steady rate during each pay period of a calendar year.

To calculate this rate for you each year, TRS first determines your individual contribution limit (in dollars). Using IRS guidelines, we determine if the general limit on TDA contributions applies, or if you are eligible for "catch-up" contributions beyond the general limit.

Then, using the latest salary information on file for you and your number of pay periods per calendar year, TRS determines the contribution rate (the percentage of salary) that would allow you to reach your contribution limit at the end of the year after 12 months of steady contribution.

The result is your Full-Year, Full-Contribution Rate, which may change from year to year due to changes in your salary and/or IRS limits.