403(b) Savings Calculator
Project your 403(b) balance at retirement from salary, deferral rate, optional salary growth and employer contributions, expected return, and fund expenses. Growth is applied once per year to the balance, then full-year employee and employer contributions are added (same timing pattern as our 401(k) calculator). IRS limits and catch-up rules are not applied.
Your total 403(b) savings
₹ 0.00
Total employee contribution
₹ 0.00
Total employer contribution
₹ 0.00
Years in projection
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403(b) balance over time
Account balance and cumulative contributions by age
| Age | Contributions | Ending balance |
|---|
How to Use This Calculator
- Enter your salary, deferral percentage, ages, and current balance.
- Set return (leave blank to use 7%), salary growth, expense ratio (reduces return), and employer contributions as a percent of salary and/or a fixed dollar amount per year.
- Click Calculate to see projected balance at retirement, cumulative contributions, a chart, and the year-by-year balance table; export the table with Excel or PDF.
Frequently Asked Questions
How is employer support modeled?
Employer support uses the annual dollar amount when you enter a value (including $0 for none). Leave the dollar field blank to model employer support as a percent of salary instead. We do not add both fields together; if you need match-on-deferral rules, use the 401(k) calculator.
Does this include IRS 403(b) limits?
No. Compare your deferrals to current IRS elective deferral and catch-up limits separately.
