Say you have 100 females.
25 have no kids 15 have 1 kid 25 have 2 kids each 15 have 3 kids 10 have 4 kids 10 have 5 kids
This would be a 2.0 TFR and would lead to no shrinkage or increase.
The 25 without kids would include those who die before reproducing.
Now a potential reason it might need to be higher than 2.0 is if it is not a 50/50 split between male and female children. I vaguely recall that slightly more male children are born than girls but it averages out by adulthood because boys are slightly more likely to die doing something stupid. This may not actually be the case so do some research before quoting me on the more boys part.