403(b) Savings Calculator without Employer Match

Project a 403(b) built only from your own contributions, see what your plan’s fees cost against a cheaper option, and how much the 15-year catch-up adds by retirement. The 401k calculator uses the same plain-English approach, so you can compare results side by side.

Enter your 403(b) details

2026 IRS limits

Current age

yrs

Retirement age

yrs

Annual salary

Yearly raise

Current 403(b) balance

How you contribute

Contribution

% of pay

Expected return before fees

Your plan’s total fees

%/yr

Fund expenses plus any annuity or record-keeping charge.

Compare with a lower-cost option at

%/yr

For example a low-cost index fund on your plan’s menu.

Use the 15-year catch-up15 or more years with a school, hospital, church, home health or health and welfare service agency, if your plan offers it.

Years of service with this employer

yrs

Full-time years, counting this year.

Your deferrals to this employer in earlier years

Total pre-tax and Roth 403(b) deferrals before this year.

15-year catch-up already used

More options

Flat account fee

$/yr

Charged in both scenarios, in addition to the percentage fee.

Inflation

Your results

Balance at retirement

–

In today’s dollars

–

You contribute in total

–

Fees charged

–

At the lower fee

–

Extra from the 15-year rule

–

Your 2026 deferral limit this year

Basic limit–

15-year catch-up–

Age catch-up–

Your total limit–

Percent of pay to reach it–

No employer contributions are included. The 15-year catch-up adds up to $3,000 a year ($15,000 lifetime) and is used before the age 50+ catch-up.

Year-by-year projection

Your contributions, the part allowed by the 15-year rule, the fees charged and the balance at each year end.

Age	Salary	You	From 15-year rule	Fees	Balance

Results are estimates for educational purposes and are not financial, tax or legal advice.