Based on 5 reviews
The 457(b) Calculator is a free online tool built for state, county, city, and school district employees to project their 457(b) deferred compensation retirement balance. It allows users to model pre-tax versus Roth contributions, incorporate employer contributions, and apply catch-up rules such as the age-based catch-up under SECURE 2.0 and the 457(b)-specific three-year pre-retirement catch-up. All calculations run in the browser without requiring signup, and no user data is transmitted.
The calculator allows users to adjust assumptions for investment returns, salary growth, tax rates, inflation, and an optional pension to estimate future balance, monthly retirement income, and the impact of withdrawals. Users can also compare pre-tax against Roth contributions and layer their pension on top, all in real time within their own browser.
To get started, users simply visit the website and adjust the inputs for their current age, retirement age, annual salary, and current 457(b) balance. They can then select contribution percentages, employer match rates, and assumption settings for returns, taxes, and inflation before clicking to see results.
The calculator is completely free to use with no signup required, and it runs entirely in the browser without transmitting or storing any user data. It provides projected balance at retirement, monthly retirement income, and the impact of withdrawals based on the inputs provided.
The calculator incorporates the 2026 IRS limits, showing $24,500 for those under 50, $32,500 for ages 50–59, and $35,750 for ages 60–63. It also includes the 457(b)-only pre-retirement catch-up of up to double the limit in the final three years if the user under-contributed before.
The calculator allows users to layer an optional pension on top of their 457(b) projections to estimate total retirement income. It also lets users adjust the withdrawal rate, such as showing results at a 4% withdrawal rate instead of the default.
The calculator displays results in today's dollars by discounting every future figure by a user-defined inflation percentage per year. It also shows the growth share of the balance and how compounding works year by year based on the assumed steady returns.
The calculator provides a comparison between pre-tax and Roth contributions, showing how much spendable money remains after taxes versus tax-free withdrawals. It estimates that pre-tax contributions buy more shares up front because the IRS waits for its cut until withdrawal.
The calculator includes a reference table for 2026 contribution limits, noting that employer contributions count against the same annual limit in a 457(b). It also highlights that a 457(b) has its own limit separate from a 403(b) or 401(k), allowing users to max out both if offered.
The calculator allows users to adjust the return before retirement, return during retirement, and annual raise percentages to see how these assumptions affect their final balance. It also lets users set different tax rates for now versus in retirement to understand the tax impact.
The calculator is an educational tool that is not financial, tax, or investment advice. Projections are hypothetical and do not represent any specific investment, and actual results will differ based on individual circumstances.
The calculator runs entirely locally in the user's browser, meaning all calculations happen on their device without sending data to a server. This ensures that nothing is transmitted or stored, providing a secure and private experience.
The calculator explicitly states that it cannot be combined with the age-based catch-up when using the 457(b)-only three-year pre-retirement catch-up. It also notes that many 457(b) plans have no match, so users should verify their specific plan rules.
The official website of 457(b) Calculator is 457calculator.com.
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I find this calculator to be a reliable resource for public sector workers. The ability to compare pre-tax and Roth contributions side by side is useful. It clearly outlines the IRS limits for 2026, which helps in planning ahead. The interface is simple enough to use without confusion. It seems well-suited for those who want a quick estimate without signing up for anything.
The tool accurately calculates retirement balances with clear IRS limit updates.
It looks like a standard calculator for government employees. The layout is clean and shows the 2026 limits clearly. I am not sure if it handles all edge cases for non-governmental plans though. The design is straightforward, but I would like to see more detailed assumptions listed upfront. It seems okay for a quick check, but maybe not deep enough for complex scenarios.
I really like how easy it is to use this tool from my laptop. It sits right in the browser, so I do not have to download any software or create an account just to see some numbers. That convenience is huge for me because I can just check my 457(b) balance quickly during a spare moment. The ability to adjust inputs like salary and age makes it feel personalized. I also like that it explains the difference between pre-tax and Roth options clearly. It seems like a very practical resource for anyone working in a school district or county government. The fact that nothing leaves my device adds a layer of comfort too. I found it straightforward to layer in my pension info as well. It is a helpful little tool that does not get in the way. I use it to get a rough idea of where I stand financially without needing a financial advisor present. The convenience of having it right there on the web is really what sold me on using it regularly.
The calculator is available whenever I need it, which is convenient. I appreciate that it works directly in the browser without requiring a signup. However, the interface feels a bit bare-bones compared to more polished financial apps. It gets the job done efficiently for basic projections.
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The 457(b) Calculator is a free online tool designed for state, county, city, and school district employees to project their 457(b) deferred compensation retirement balance. It allows users to model pre-tax versus Roth contributions, incorporate employer contributions, and apply catch-up rules such as the age-based catch-up under SECURE 2.0 and the 457(b)-specific three-year pre-retirement catch-up. Users can adjust assumptions for investment returns, salary growth, tax rates, inflation, and an optional pension to estimate future balance, monthly retirement income, and the impact of withdrawals. All calculations run in the browser without requiring signup, and no user data is transmitted from the device.