403(b), 457, and 401(k) Combined

403(b) + 457 + 401(k) Combined

If you have access to multiple plans, 457 limits stack separately from 403(b)/401(k). Project the combined retirement nest egg.

Inputs

Annual salary ($)

403(b) contribution (% salary)

457 contribution (% salary)

401(k) contribution (% salary)

Expected annual return (%)

Annual raise (%)

Years until retirement

Results

Total FV (all plans)

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403(b) future value

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457 future value

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401(k) future value

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Total contributions

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2025 limits: 403(b)/401(k) share a $23,500 elective deferral limit. 457 plans have a separate $23,500 limit — so public-sector employees can double up by contributing to both.