MasterTool

403(b) Calculator

Calculate 403(b) from your own entered figures.

IRS 2026 retirement limits (Notice 2025-67) — 401(k)/403(b) deferral $24,500, IRA limit $7,500 last updated · reference source

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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.

Dated static reference; no live data is fetched. Verify current source values and assumptions before relying on results.

What this tool does

Calculate 403(b) from your own entered figures. 403(b) plans (schools, hospitals, nonprofits) share the 401(k) deferral limits; the special 403(b) 15-year-service catch-up is not modelled, and salary, match and return are held constant.

How to use the 403(b) Calculator

  1. Enter or select current age.
  2. Enter or select current 403(b) balance.
  3. Enter or select annual salary.
  4. Enter or select your contribution (% of salary).
  5. Enter or select employer contribution (% of salary).
  6. Enter or select expected annual return (%).
  7. Enter or select years to project.
  8. Read the calculated result; change any measurement to compare alternatives.

Formula

employee contribution = min(salary × contribution %, the IRS 2026 elective deferral limit for your age — 403(b) plans share the 401(k) limit of $24,500 (+$8,000 at 50+, +$11,250 at ages 60–63); the balance then compounds yearly with contributions added at year end
age
Current age
balance
Current 403(b) balance
salary
Annual salary
pct
Your contribution (% of salary)
match
Employer contribution (% of salary)
ret
Expected annual return (%)
years
Years to project

403(b) plans (schools, hospitals, nonprofits) share the 401(k) deferral limits; the special 403(b) 15-year-service catch-up is not modelled, and salary, match and return are held constant.

Worked example

For 403(b) calculator, the following measurements illustrate the exact method: Current age: 40; Current 403(b) balance: 15000; Annual salary: 65000; Your contribution (% of salary): 10; Employer contribution (% of salary): 2; Expected annual return (%): 6.5; Years to project: 25.

Inputs

  • Current age40
  • Current 403(b) balance15000
  • Annual salary65000
  • Your contribution (% of salary)10
  • Employer contribution (% of salary)2
  • Expected annual return (%)6.5
  • Years to project25

Result

  • Projected 403(b) balance$531,739.38
  • Your annual contribution (after the 2026 IRS cap)$6,500.00
  • Employer contribution per year$1,300.00
  • 2026 IRS elective deferral limit at age 40$24,500.00

Results explained

Projected 403(b) balance
Projected 403(b) balance from the formula above. 403(b) plans (schools, hospitals, nonprofits) share the 401(k) deferral limits; the special 403(b) 15-year-service catch-up is not modelled, and salary, match and return are held constant.
Your annual contribution (after the 2026 IRS cap)
Your annual contribution (after the 2026 IRS cap) from the formula above. 403(b) plans (schools, hospitals, nonprofits) share the 401(k) deferral limits; the special 403(b) 15-year-service catch-up is not modelled, and salary, match and return are held constant.
Employer contribution per year
Employer contribution per year from the formula above. 403(b) plans (schools, hospitals, nonprofits) share the 401(k) deferral limits; the special 403(b) 15-year-service catch-up is not modelled, and salary, match and return are held constant.
2026 IRS elective deferral limit at age 40
2026 IRS elective deferral limit at age 40 from the formula above. 403(b) plans (schools, hospitals, nonprofits) share the 401(k) deferral limits; the special 403(b) 15-year-service catch-up is not modelled, and salary, match and return are held constant.

Frequently asked questions

employee contribution = min(salary × contribution %, the IRS 2026 elective deferral limit for your age — 403(b) plans share the 401(k) limit of $24,500 (+$8,000 at 50+, +$11,250 at ages 60–63); the balance then compounds yearly with contributions added at year end

403(b) plans (schools, hospitals, nonprofits) share the 401(k) deferral limits; the special 403(b) 15-year-service catch-up is not modelled, and salary, match and return are held constant.

No. All numbers are entered by you or come from the dated reference table shown on this page; calculations run locally.

This is an estimate, not financial, tax or legal advice. Verify the inputs and output with official sources and a qualified professional.

Check period consistency, currency, percentage inputs and the assumptions: 403(b) plans (schools, hospitals, nonprofits) share the 401(k) deferral limits; the special 403(b) 15-year-service catch-up is not modelled, and salary, match and return are held constant.