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457(b) Compound Interest Calculator

Project your balance year by year across a full career — or flip it around: pick the number you want at the end, and get the per-check plan to hit it.

Current 457(b) balance

Contribution per check

Yearly increase to your contribution

Per check. Every raise, bump the contribution — split the raise with future you.

Assumed rate of return

% / yr

Checks per year

Years until retirement

years

Your age today

years old

Sets your IRS max each year — the limit jumps at 50 and again at 60–63. Contributions are capped automatically.

Balance at year 30

You put in

Growth did

Final year per check

Balance by year of career

Yrs from now	Per check	In that year	Total in	Balance

Target balance

By year of career

of career

Counted from your hire date — e.g. 30 means "by my 30th year on the job."

Years already on the job

years

0 if you're just starting. 10 if you're a decade in — the plan covers what's left.

Your age today

years old

Sets your IRS max each year. If your target needs more than the caps allow, the tool will tell you.

Current 457(b) balance

Assumed rate of return

% / yr

Yearly increase you'll commit to

Leave at 0 for a flat plan — same amount every check, all career. Add an increase and the starting number drops.

Checks per year

Your plan starts at

You put in

Growth does

Final year per check

The path to your number

Year of career	Per check	In that year	Total in	Balance

How the math works: contributions are totaled per year (per-check amount × checks per year) and the balance compounds once annually at your assumed rate, with each year's contributions credited at year end. Increases apply at the start of each new year. Results are estimates for education — not investment, tax, or legal advice. Markets don't return the same number every year.

2026 IRS limits: the 457(b) elective deferral limit is $24,500 under age 50, $32,500 at 50+ with the catch-up, and $35,750 for ages 60–63 (back to $32,500 at 64+). The tool caps your contributions at the limit for your age in each year of the plan and flags those years "maxed." Limits usually rise a little most years, so real-world caps will likely be higher than shown.

● Runs entirely in your browser. Nothing you enter leaves this page.

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