Calculators

Use these calculators to help estimate your future savings and expenses. By estimating your retirement needs, you can help create a strategy for reaching your goals. After all, you need to know where you are going in order to get there!

How Much Can I Save in My 403(b) or 457 Plan?

This calculator can help you see how tax-deferred compounding in a traditional 403(b) or 457 plan can potentially help you reach your retirement savings goal. Before using this calculator, it is helpful to have the following information: the amount you are currently contributing to your 403(b) or 457 plan and the amount you have already saved, if any.

Projected Retirement Expense Calculator

Use this calculator to estimate your retirement expenses. How much you spend on housing, health care and other living expenses will largely dictate your income needs. You'll also want to estimate your expenses throughout retirement - which today can be 30 years or longer. Once you get your estimated expenses, use the How Much More Do I Need to Save for Retirement?" calculator to determine if you are saving enough to cover your expenses.

How Much More Do I Need to Save for Retirement?

This calculator will help you determine how much you need to save in order to meet your future retirement income needs. Before using this calculator, it is helpful to estimate your CalSTRS or CalPERS benefits.

How Long Will My Savings Last?

This calculator will help you estimate how long your savings will last based on your desired monthly withdrawal amount. If you find that your savings won't last as long as you wish, use the "How Much More Do I Need to Save for Retirement?" calculator to determine how to reach your savings goals.

How Much Can I Save by Consolidating My Debt?

If you have a lot of consumer debt, you may be able to save money by consolidating your debt. This calculator can help you determine if taking out a loan to consolidate debt makes sense for you.

How Will My Pretax 403(b) or 457 Plan Contributions Affect My Take-home Pay?

This calculator will help you determine how your contribution amount will affect your paycheck. You can also use it to see how an increase in your contribution amount can affect your paycheck.

How Will Fees Affect My 403(b) or 457 Plan Savings?

The fees you pay in your 403(b) or 457 plan can have a significant impact on the amount you can save over time. This calculator will help you determine how fees can affect your savings accumulation and allows you to compare fees in different investment products.

What Will It Cost to Borrow from My 403(b) or 457 Plan?

Your 403(b) or 457 plan may have a loan provision that allows you to borrow from the balance accumulated in your account. This calculator can help you figure out the potential impact on your 403(b) or 457 plan savings if you take a loan.