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Free 457(b) retirement calculator for deferred compensation planning — deferrals, optional employer funds, growth rate, and elective deferral cap notes—not tax advice.
Last updated: April 18, 2026
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Compared to illustrative IRS elective deferral cap for the tax year below
If your plan provides a match or nonelective amount—enter 0 if none
Estimated balance after 18 years
$1,025,702.21
Notes
Starting balance
Future value
Your current account value grows at the assumed rate.
Elective
Cap check
Compared to a published-style deferral limit for the year you select.
Match / nonelective
If offered
Add employer contributions when your plan provides them.
Nominal %
User-defined
Try conservative vs optimistic returns to bracket outcomes.
Accumulation
Long-run
Longer horizons and steady deferrals increase projected balance.
Disclaimer
Illustrative
Plan rules, special catch-up, and taxes are not fully modeled.
Default: $85,000 balance, $23,500/year deferral, 0 employer, 6.5% return, 18 years, 2026 cap:
Illustrative future balance
~$1,025,702
We compound your starting balance at a constant annual return and add annual employee deferrals plus any employer contributions you enter, as if those amounts are made once per year through retirement. The result is an illustrative ending balance and a breakdown of cumulative deferrals, employer funds, and estimated investment growth. We also compare your deferral to a published-style elective deferral cap for the tax year you select (with age-50 catch-up when checked).
n = years to retirementr = annual return as a decimalFV = PV(1+r)ⁿ + (P)([(1+r)ⁿ − 1] ÷ r) when r ≠ 0P = employee deferral + employer contribution per yearAt 0% return, ending balance equals starting balance plus the sum of annual contributions.
Lower the return or raise deferrals to see sensitivity
Compare with our 403(b) calculator for similar school and nonprofit plans.
Get a Custom CalculatorGovernmental 457(b) special catch-up may allow additional deferrals in certain years before retirement; this tool does not add that automatically.
Not tax or investment advice; for education and estimation only.
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