403(b) Calculator — Non-Profit & School Retirement Savings
Estimate your 403(b) retirement balance. The 403(b) is the counterpart to the 401(k) for employees of schools, hospitals and non-profits. Enter your salary, contribution rate and years of service to include the unique 15-year catch-up and project your nest egg.
% of salary
anni
anni
%
Estimated balance at the end of the contribution period
- 1
Annual contribution
60.000 × 8% + 3000 catch-up = 7800 - 2
Contributo mensile
7800 ÷ 12 = 650 - 3
Monthly return rate
r = 6% ÷ 12 ÷ 100 = 0,005 - 4
Number of months
n = 25 × 12 = 300 - 5
Growth factor
(1 + r)ⁿ = 1,005ⁿ = 4,465How much the existing balance multiplies over the full contribution period. - 6
Projected balance
10.000 × 4,465 + 650 × (4,465 − 1) ÷ 0,005 = 495.096
Come funziona questo calcolatore?
A 403(b) grows with the same compound formula as a 401(k): Balance = current × (1+r)^n + monthly contribution × ((1+r)^n−1)/r. What makes it unique is the 15-year catch-up: employees with 15+ years at a qualifying non-profit or school can add an extra $3,000/year up to a $15,000 lifetime maximum, on top of the standard age-50 catch-up.
Formula
How this is calculated
A 403(b) plan is a tax-advantaged retirement account available to employees of public schools, hospitals, charities and other 501(c)(3) non-profits. It works almost identically to a 401(k): you contribute a percentage of pre-tax salary up to the IRS limit ($23,500 in 2025, with age-50+ catch-up of $7,500 extra), and the balance grows tax-deferred until retirement.
A distinctive feature is the 15-year catch-up rule. Employees who have completed at least 15 years of service at the same qualifying employer and whose average contribution has been below a threshold may contribute an extra $3,000 per year, up to a $15,000 lifetime maximum. This catch-up is independent of the age-50+ catch-up, so eligible employees may combine both. Because the $15,000 lifetime cap applies, the calculator adds $3,000 annually once you enter 15+ years of service — treat this as an editable estimate and confirm eligibility with your plan administrator.
Results are pre-tax nominal figures for illustration, assuming constant salary and return. Employer contributions vary widely among 403(b) sponsors (many non-profits provide no match) and are not included; add your employer's contribution to your own percentage if applicable.
Domande frequenti
Both are employer-sponsored, tax-deferred plans with the same 2025 employee limits ($23,500 base, $31,000 with age-50+ catch-up). The 403(b) is restricted to public schools, hospitals, churches and 501(c)(3) organisations. A key unique feature of the 403(b) is the 15-year service catch-up — an extra $3,000/year (up to $15,000 lifetime) unavailable in a 401(k).
Yes. Many public-sector and non-profit employers offer both, and the contribution limits are independent of each other. You can contribute up to the IRS cap in each simultaneously, roughly doubling your tax-advantaged saving capacity compared to private-sector workers who only have a 401(k).
No. You need at least 15 years of continuous service at the same qualifying employer, and your plan document must allow it. The maximum extra contribution also depends on your historical contribution average. Confirm your eligibility with your HR department or plan administrator before relying on the extra $3,000.
Conosciuto anche come
TG we-Calculate Editorial Team. (2026). 403(b) Calculator — Non-Profit & School Retirement Savings [Online calculator]. TG we-Calculate. https://we-calculate.com/it/calculator/403b-calculator
TG we-Calculate Editorial Team. "403(b) Calculator — Non-Profit & School Retirement Savings." TG we-Calculate. 2026. https://we-calculate.com/it/calculator/403b-calculator.
TG we-Calculate Editorial Team, "403(b) Calculator — Non-Profit & School Retirement Savings," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/it/calculator/403b-calculator
@misc{wecalculate_403b_calculator, title = {403(b) Calculator — Non-Profit & School Retirement Savings}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/it/calculator/403b-calculator}}, year = {2026}, note = {TG we-Calculate} }
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