403(b) / 457(b) / 401(k) Savings Calculator

Free 401(k), 403(b), 457(b) Calculator

Use our 401(k), 403(b) & 457(b) Savings Calculator to instantly see your retirement growth. Fast, accurate projections that spark smarter saving today.

Your total is $756,476.60 after 35 years.

Employee Savings Plan

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Total employee contributions: $140,000.00

Employer Match

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Total employer contributions: $42,000.00

Balance by Year

With employer match $756,476.60
Without employer match $584,367.58

Frequently Asked Questions

Our 401(k), 403(b) and 457(b) Savings Calculator gives quick, precise estimates of your future balance, helping you build a confident retirement plan.

Q1: What's the difference between a 401(k), 403(b), and 457(b)?

A: A 401(k) is for private-sector employees. A 403(b) covers nonprofit, school, and hospital workers. A 457(b) serves government and certain nonprofit staff. Rules overlap closely, but plan administrators and withdrawal terms differ.

Q2: How much should I contribute to my 401(k) or 403(b) each month?

A: Contribute at least enough to capture your full employer match. From there, aim for 10-15% of your salary. The calculator shows how small increases in your contribution percentage compound over time.

Q3: How many years does it take for a 401(k) to grow significantly?

A: Growth accelerates after year 15-20, once compound interest outweighs new contributions. The savings calculator shows this curve clearly — balances often double in the final third of your working years.

Q4: What happens to my 403(b) or 457(b) value if I change jobs?

A: Your vested balance stays yours. Roll it into an IRA, a new employer's plan, or leave it in place. Unvested employer match dollars may be forfeited — check your plan's vesting schedule before you switch jobs.

Q5: How does an employer match change my 401(k) savings?

A: An employer match is free money on top of your own contributions. The calculator separates "with match" and "without match" results, showing the real dollar value a match adds to your final balance.

Q6: Can I use this calculator for both 403(b) and 457(b) accounts?

A: Yes. The tool works for any plan type — 401(k), 403(b), or 457(b) — because the underlying math (contribution rate, salary, growth rate, time horizon) is identical across all three.

Q7: Is the calculator's projection accurate for retirement planning?

A: It's a planning estimate, not a guarantee. The tool models a realistic growth scenario from your salary, contribution rate, annual rate of return, and years to retirement.

Q8: What's a realistic annual rate of return to use in the calculator?

A: Many planners use 6-8% as a long-term average for a diversified portfolio. Test a few rates side by side to see how a higher or lower rate of return changes your final balance.