403(b) Calculator

Financial information notice: This calculator provides estimates based on your inputs and assumptions, not financial, tax or investment advice. Verify details before making decisions.

Project a 403(b) retirement balance with monthly contributions and compound growth.

Current balance

Monthly contribution

Years invested

Assumed annual return (%)

Formula and assumptions

Assumes end-of-month contributions and a constant effective annual return; excludes fees, taxes and employer match.

Results depend on the inputs and assumptions shown. Check units and independently verify important decisions.

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Frequently asked questions

What is a 403(b) plan?

A 403(b) is a retirement plan commonly offered by public schools, certain nonprofits and some religious organizations. Plan features and eligibility depend on the employer.

Are the projected returns guaranteed?

No. The result uses an assumed rate of return. Actual investments fluctuate, and fees, taxes, contribution limits and plan rules can affect outcomes.

Does this estimate include taxes?

Unless the calculator explicitly models taxes, the projection should be treated as a pre-tax or simplified balance estimate. Check plan documents and tax guidance for your circumstances.