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A 403(b) contribution can be an effective retirement tool. The Roth 403(b) allows you to contribute to your 403(b) account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. For some investors, this could prove to be a better option than contributing on a pre-tax basis, where deposits are subject to taxes when the money is withdrawn. Use this calculator to help determine the best option for your retirement.
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Age you wish to retire. This calculator assumes that the year you retire, you do not make any contributions to your 403(b). For example, if you retire at age 65, your last contribution occurs when you are actually 64.
The amount you will contribute to a 403(b) each year. This calculator assumes that you make 12 equal contributions throughout the year at the beginning of each month. **403B_ANNUAL_LIMITS** **CATCHUP_CONTRIBUTION_NOTES** It is also important to note that employer contributions do not affect an employee's maximum annual contribution limit. Both the annual maximum and 'catch-up' provisions are indexed for inflation.
Some employees are subject to another form of contribution limits. Employees classified as 'Highly Compensated' may be subject to contribution limits based on their employer's overall 403(b) participation. **401k_HIGHLY_COMPENSATED**
Check this box to invest any tax savings generated by contributions to a traditional 403(b). By investing your taxes savings each year, you equalize the total cash flow between the two account types. For example, if you have a 25% income tax rate and contribute $1,000 to your retirement account, the actual cost after taxes would be $750 for the traditional contribution and $1,000 for the Roth contribution. If you do not to invest the difference, you are actually "spending" more per year with the Roth option and end result will greatly favor a Roth-type savings plan. You may wish to leave this box unchecked if you have no ability or desire to create an additional investment account outside of your 403(b).
Check this box to increase all contributions to the maximum allowed each year. This will include future years that qualify for catch-up contributions. **403B_ANNUAL_LIMITS** **CATCHUP_CONTRIBUTION_NOTES**
The annual rate of return for your 403(b) account. This calculator assumes that your return is compounded annually and your deposits are made monthly. La tasa de rendimiento real depende en gran medida de los tipos de inversiones que elija. El índice Standard & Poor's 500® (S&P 500®) durante los últimos 10 años que finalizaron el 31 de diciembre de 2025, tuvo una tasa de rendimiento compuesta anual de 14.8 %, con la reinversión de dividendos. Desde el 1 de enero de 1970 hasta el 31 de diciembre de 2025, la tasa de rendimiento compuesta anual promedio del S&P 500®, con la reinversión de dividendos, fue aproximadamente del 11.3 % (fuente: www.spglobal.com). Desde 1970, el rendimiento más alto a 12 meses fue del 61 % (desde junio de 1982 hasta junio de 1983). El rendimiento más bajo a 12 meses fue del -43 % (desde marzo de 2008 hasta marzo de 2009). Las cuentas de ahorro en una institución financiera pagan menos, pero conllevan un riesgo significativamente menor de pérdida de saldos de capital.
Es fundamental tener en cuenta que estos escenarios son meramente hipotéticos y que las tasas de rendimiento futuras no pueden preverse con certeza. Además, las inversiones que ofrecen tasas de rendimiento más altas suelen estar expuestas a un mayor riesgo y volatilidad. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido. No es posible invertir directamente en un índice y la tasa de rendimiento compuesta mencionada anteriormente no incluye los cargos por ventas ni otras tarifas que imponen los fondos de inversión o las empresas de inversión.
The current marginal income tax rate you expect to pay on your taxable investments. **TAXTABLE_CURRENT_DEFINITION**
The marginal tax rate you expect to pay on your investments at retirement.
For the Roth 403(b), this is the total value of the account. For the traditional 403(b), this is the sum of two parts: 1) The value of the account after you pay income taxes on all earnings and tax-deductible contributions and 2) what you would have earned if you had invested (in an ordinary taxable account) any income tax savings.