How Long Will My 403(b) Last? Retirement Calculator Tool
A 403(b) retirement account typically lasts about 25–30 years if you withdraw 4% of your balance each year, known as the safe withdrawal rate. Its duration depends on investment returns, inflation, fees, and spending habits that affect how quickly savings are used.
KEY TAKEAWAYS
403(b) lasts as long as withdrawals + investment returns support it.
4% rule is a common starting point for retirement spending.
Typical planning horizon is around 30 years.
Withdraw more = money runs out faster; withdraw less = it lasts longer.
Market returns can significantly speed up or extend depletion.
Social Security or other income can stretch savings further.
403(b) Savings Calculator
Estimate how far your account may carry you by combining your current balance, contributions before retirement, and annual withdrawals in retirement.
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Your total 403(b) savings
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Total employee contribution
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Total employer contribution
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How long will my 403(b) last
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Savings
Disclaimer: This calculator provides a simplified projection for educational purposes only and does not guarantee future results. Market returns, taxes, contribution limits, and retirement spending can vary materially.
