403(b) Savings Calculator

Project what your 403(b) could be worth at retirement, including employer contributions, the drag of fees and the extra catch-up room for long-serving employees of schools, hospitals and churches. Next, open the 401k calculator online and enter your own details to see an estimate in seconds.

Enter your 403(b) details

2026 IRS limits

Current age

yrs

Retirement age

yrs

Annual salary

Yearly raise

Current 403(b) balance

Your contribution

% of pay

Pre-tax and Roth 403(b) deferrals combined.

Employer match

Share of your contribution the employer matches.

Match up to

% of pay

Expected annual return

Annual fees

Fund expenses plus any annuity or account charges.

Apply the 2026 IRS contribution limitsIncludes the age 50+ and age 60 to 63 catch-up amounts. I qualify for the 15-year catch-up15+ years with a school, hospital, church, home health or health and welfare service agency, if your plan allows it.

More options

Employer contribution, regardless of yours

% of pay

A flat employer contribution many 403(b) plans make.

Inflation

Your results

Balance at retirement

–

In today’s dollars

–

Your contributions

–

Employer contributions

–

Investment growth

–

Lost to fees

–

2026 IRS 403(b) limits

Employee deferral limit–

Catch-up, age 50 or older–

Catch-up, ages 60 to 63–

15-year catch-up–

Total limit, you plus employer–

If your 2025 Social Security wages from this employer were over $150,000, age-based catch-up contributions must go in as Roth.

Year-by-year projection

Contributions and the balance at the end of each year until you retire, after fees.

Age	Salary	You	From 15-year rule	Employer	Balance

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