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Retirement · 401(k), IRA & Roth

403(b) Savings Calculator

Project a 403(b) plan for teachers and nonprofit employees, with employer match and the optional 15-year service catch-up.

  • Free to use here · embed on the Business plan
  • 9 inputs · 6 results
  • English & Spanish

Try the 403(b) Savings Calculator

See your 403(b) grow — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the 403(b) Savings calculator works out

The 403(b) Savings Calculator is a free, embeddable calculator from CalcFunnel. Project a 403(b) plan for teachers and nonprofit employees, with employer match and the optional 15-year service catch-up.

You enter 9 inputs: current balance, annual salary, your contribution (% of salary), 15-Year service catch-up, employer match (% of your contribution), match limit (% of salary), annual return (%), annual raise (%) and years to retirement.

It returns balance at retirement, your contributions, employer match, investment growth, years and Year-1 deferral vs 2026 limit.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01Balance at Retirement
  2. 02Your Contributions
  3. 03Employer Match
  4. 04Investment Growth
  5. 05Years
  6. 06Year-1 Deferral vs 2026 Limit

The first figure — balance at retirement — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Salary & Balance

Current Balance
What is in the account today.
Annual Salary
Your current yearly salary.

Contributions

Your Contribution (% of salary)
The percent of salary you contribute each year.
15-Year Service Catch-Up
Employees with 15+ years at the same eligible employer (school, hospital, church, etc.) may contribute up to $3,000 extra per year, capped at $15,000 over a lifetime. This adds $3,000 a year for the first 5 years.Options: No · Yes (+$3,000/yr)
Employer Match (% of your contribution)
How much of your contribution the employer matches — e.g. 50% means 50 cents per dollar.
Match Limit (% of salary)
The employer matches your contributions only up to this percent of salary.

Growth

Annual Return (%)
The average annual investment return, compounded monthly.
Annual Raise (%)
The yearly rate your salary grows, which raises your contributions.
Years to Retirement
How many years until you retire.

For your website

Embed this calculator on your website

Put the 403(b) Savings Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

403(b) Savings calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the 403(b) Savings Calculator calculate?
Project a 403(b) plan for teachers and nonprofit employees, with employer match and the optional 15-year service catch-up. It returns balance at retirement, your contributions, employer match, investment growth, years and Year-1 deferral vs 2026 limit.
Q.02What information do I need to use the 403(b) Savings Calculator?
You enter 9 inputs: current balance, annual salary, your contribution (% of salary), 15-Year service catch-up, employer match (% of your contribution), match limit (% of salary), annual return (%), annual raise (%) and years to retirement. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Current Balance” mean in the 403(b) Savings Calculator?
What is in the account today.
Q.04What does “Annual Salary” mean in the 403(b) Savings Calculator?
Your current yearly salary.
Q.05Is the 403(b) Savings Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the 403(b) Savings Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the 403(b) Savings Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the 403(b) Savings results financial advice?
No. Estimates only. Assumes constant return and raises. The 2026 employee deferral limit is $24,500 (plus age-based catch-ups); the 15-year service catch-up is capped at $15,000 lifetime. Limits are flagged, not enforced, and vesting and taxes are ignored. Confirm plan rules with your administrator.

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The 403(b) Savings Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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