See how keeping your balance invested compares to taking a lump-sum withdrawal — and what it means for your retirement.
3 easy stepsEnter your balance, age, and tax info to see your options
Instant resultsSee projected retirement value for both rollover and withdrawal paths
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401(k) rollover calculator
Compare your options. See the difference at retirement.
When leaving a job, you have choices for your 401(k) assets. Use this calculator to compare keeping your balance invested versus taking a lump-sum distribution.
Your information
Estimated marginal tax rates based on your inputs. Adjust if needed.
Your 5 options when changing jobs
1
Leave in former employer's planKeep your balance where it is
2
Move to new employer's planConsolidate into your new workplace plan
3
Roll over to a traditional IRATax-deferred growth with more investment options
4
Roll over to a Roth IRATax-free growth — pay taxes now, not later
!
Withdraw as lump-sum distributionMay trigger taxes & a 10% early penalty
What this calculator shows
How taxes & penalties reduce a lump-sum withdrawal today
Projected growth if you keep your balance invested until retirement
The long-term dollar difference between the two paths
Early withdrawal penalty if you're under age 59½
Did you know?
Rolling over to an IRA or new employer plan preserves your full balance and keeps it growing tax-deferred. A lump-sum withdrawal can trigger taxes and a 10% penalty if you're under 59½.
Keep / roll over
At retirement
—
projected value
Now: — (full balance preserved)
Lump-sum withdrawal
At retirement
—
projected value after taxes & growth
Now: — (after taxes & penalties)
Potential difference at retirement
By staying invested vs. withdrawing, you could have:
—
Projected comparison
Now
Retirement
Keep / roll over
Lump-sum distribution
Now
Keep / roll over
Lump-sum withdrawal
Balance before taxes
—
—
Federal income tax
$0
—
State income tax
$0
—
Early withdrawal penalty (10%)
$0
—
You keep today
—
—
At retirement, projected
Projected value (— yrs @ —)
—
—
Ready for the next step?
Discuss your retirement plan
Our advisors can help you evaluate all your rollover options and build a strategy tailored to your goals.
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