$
$

If you know your rate of return, select that number. If not, you can estimate your return or contact your provider to obtain your current rate. To estimate returns: conservative investors/fixed annuity investors should estimate 2%-3%, moderate investors 4% and aggressive investors 6%. This is based on long-term results net of fees (choose the lower number within your category if you are within 5 years of retirement). Past performance is not a guarantee of future results, and your return is not guaranteed.

years until retirement

Note that this calculator applies to traditional pretax contributions to a 403(b) or 457 plan account. Results are for illustration only and do not represent the return of any actual investment. Your returns will vary and cannot be guaranteed. Withdrawals at retirement will be taxed at ordinary income tax rates. Premature withdrawals (generally, those taken before age 59½ or age 55 if leaving employment) may be subject to a 10% tax penalty (penalty does not apply to 457 plans).