Retirement Calculator — 457 & Pension

Current Age

Retirement Age

Current Balance

$20,000

Monthly Contribution

$431

Annual Return Rate

8.0%

Inflation Rate

3.0%

Your Retirement Projection

Adjust the sliders above to see your numbers instantly

Projected balance

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Monthly draw (30 yr)

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Total contributed

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Growth from returns

Years to grow

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Starting from today

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Have a pension, 457, or 403b plan?

Switch to Advanced mode to model your pension benefit, Roth vs pre-tax split, Social Security, per-year contribution planning, and more.

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About You

Current age33

Pre-tax balance457b · 403b · 401k · TSP · IRA$13,000

After-tax balanceRoth 457b · Roth IRA · Roth 403b$7,000

Expected final salarytoday's dollars$110,000

Retirement Settings

Annual return ratenominal, before inflation8.0%

Inflation ratefor today's dollar estimates3.0%

Retirement agewhen contributions stop60.5

Defined Benefit Pension

Do you have a defined benefit pension?

Social Security

Expected monthly benefitfrom ssa.gov/myaccount · set $0 to exclude$0

SS claiming age62 early · 67 full · 70 maximum67

Note: some public pension members face WEP/GPO reductions. Check ssa.gov →

Monthly contributions by age

Tap a decade to expand. Each year inherits the value above it until overridden (shown in color). Tap × to reset a row.

Scenario comparison

Compare

Set up your inputs and contributions above, save as Scenario A, then change any settings and save as Scenario B.

Your results at retirement

After-Tax Balance — tax-free withdrawals
(Roth 457b · Roth IRA · Roth 403b)

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Pre-Tax Balance — taxable on withdrawal
(457b · 403b · 401k · TSP · IRA)

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Total Retirement Portfolio

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Defined benefit pension

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Social Security

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Pre-pension gap

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Portfolio growth over time

After-Tax (Roth)

Pre-Tax (Traditional)

Total

Retirement income breakdown

Withdrawal phase — will your money last?

Monthly spending target (today's dollars)

What you want to spend monthly, in today's purchasing power$5,000

Return rate in retirement

More conservative than accumulation phase5.0%

Years to project

Length of retirement to model30 yrs

Pension COLA?

SS has COLA Built-in ✓

Your spending target escalates with inflation each year. SS automatically has COLA. Toggle whether your pension adjusts too. Portfolio withdrawals always increase nominally to maintain purchasing power.

Portfolio balance

Danger zone (below 2 yrs expenses)

Balance snapshots every 5 years

Peer context & total wealth

💰 Retirement Calculator

Your Retirement Projection