403(b) Retirement Calculator

Your details

Your age today. Used to calculate years to retirement and flag catch-up contribution eligibility.
years
The age at which you plan to stop working and start drawing from your 403(b).
years
How much is already in your 403(b) account today.
USD
Your current gross annual salary before any deductions.
USD
The percentage of your pre-tax salary you contribute each year. The 2026 IRS elective limit is $24,500 (plus catch-up for age 50+).
%
Percentage of your salary your employer contributes (e.g. 3 means they add 3% of your salary). Enter 0 for no match.
%
Maximum employee contribution percentage that the employer will match. The employer stops matching once your contributions hit this cap.
% of salary
Your expected average annual investment return, before fees. The long-run US equity average is roughly 7% after inflation.
%
The average annual expense ratio of your 403(b) investments. Index funds are typically 0.03-0.20%; actively managed funds 0.50-1.50%.
%
Expected yearly raise. This raises both your contribution and (if applicable) the employer match each year.
%
Currency
Projected balance at retirementStrong savings
$788,418

Estimated 403(b) account value when you reach retirement age

Your total contributions$146,045
Employer total contributions$73,023
Investment growth$544,350
Years to retirement30years
Your annual contribution (year 1)$3,600
Employer match (year 1)$1,800

Projected 403(b) balance at retirement: $788,418

  • Your employer match adds $73,023 over 30 years - free money that accelerates your growth significantly.
  • 69% of your projected balance ($544,350) comes from investment growth rather than contributions.
  • Your own contributions total $146,045 over the period. Combined with employer contributions and growth, that grows to $788,418.

Next stepYou are on a strong path. Review your asset allocation periodically and ensure you are capturing the full employer match.

 = Powered by OnlyCalculators