Convenient Solutions for Plan Sponsors
AFPlanServ® focuses solely on 403(b) and 457(b) Plan administration.
Learn MoreSalary Reduction Agreement
This form authorizes your employer to deduct Plan contributions from your paycheck.
SECURE 2.0
Have questions about the new law? We'll provide updates and help guide you along the way.
Retirement Calculator
Is your retirement on track? Use our full calculator to find out! A simplified version can be found below.
Simplified Retirement Calculator
This quick calculator will give you an idea of how much you could be saving. For a more in-depth look, try our full calculator above.
Your Information
Retirement Summary
Total contributions is the amount of money the employee and employer pay into the retirement plan.
Income that is received and that is subject to taxation by the applicable Federal and/or State government. After-tax returns reflect a 28% federal income tax bracket and do not take into account any state income taxes. Calculations are based on an effective after-tax rate of return.
Tax-deferred is investment or interest earnings that accumulate tax-free until withdrawn and distributed to the investor. Tax-deferred does not mean Tax-free. Withdrawals of tax deferred or deductible contributions and all tax-deferred earnings will be taxed as ordinary income at time of distribution. Withdrawals prior to age 59½ may be subject to a 10% tax penalty; mandatory distribution requirements (i.e., age 73 for most people) may reduce computed accumulations. Tax-deferred savings is generally not eligible under Section 125.
Savings Gained is the difference between Tax Deferred Savings and Taxable Savings.
The analysis provided by this tool is based solely on the information provided by you. All examples are based on hypothetical interest crediting rates, and as such, do not represent current or future performance of any specific investment or product. The examples are estimates and are not guaranteed. The examples that have been prepared are for informational purposes only, and no representations are made as to the accuracy of any example. This information does not constitute legal, financial or tax advice, and as such, you should always consult a qualified professional legal, financial or tax advisor when making decisions relative to your individual situation. Not eligible under Section 125.
Plans We Offer
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403(b) Plans
403(b) plans are employer-sponsored, tax-deferred retirement plans that similar to 401(k) plans. They are for employees of public schools and other tax-exempt organizations.
457(b) Plans
457(b) plans are employer-sponsored, tax-deferred retirement plans that similar to 401(k) plans. They are for civil servants, municipal employees, law enforcement and public safety personnel.