403(b) Savings (No Employer Match)

Project the future value of your 403(b) plan when no employer match is offered. Typical for many non-profit and education employers.

Current 403(b) balance ($)

Annual salary ($)

Employee contribution (% of salary)

Expected annual return (%)

Annual raise (%)

Years until retirement

Future value at retirement

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Total employee contributions

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Investment growth

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First-year contribution

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2025 403(b) elective deferral limit: $23,500 ($31,000 if age 50+). Contributions are pre-tax. No employer match assumed.