Financial Planning Resources

State Teacher Retirement Systems

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Planning Calculators

Retirement Planning Calculators

Interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. Results depend on many factors, including the assumptions you provide and may vary with each use and over time. We do not guarantee their accuracy, or applicability to your circumstances.
  • 403(b) Retirement Calculator 403(b) plans are only available for employees of certain non-profit tax-exempt organizations: 501c(3) Corps, including colleges, universities, schools, hospitals, etc. If you are an employee of one of these organizations, a 403(b) can be one of your best tools for creating a secure retirement.
  • Roth IRA Calculator Creating a Roth IRA can make a big difference in your retirement savings. There is no tax deduction for contributions made to a Roth IRA, however all future earnings are sheltered from taxes. The Roth IRA provides truly tax-free growth.

Did You Know?

Pre-Tax Contributions

Contributions made to your 403(b) immediately reduce your current taxable income. The amount you contribute to your 403(b) is not reported as taxable income on your W-2 to the Internal Revenue Service (IRS). If you contribute $4,000 of your annual salary of $40,000 to a 403(b), only $36,000 is reported as taxable income to the IRS; thus your 403(b) program reduces your taxable income.

If you already have a traditional savings plan, you can make the same contributions to your 403(b) program and actually increase your take-home pay.

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