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
Step 1
Estimated marginal tax rates based on your inputs. Adjust if needed.
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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
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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
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projected value
Now: — (full balance preserved)
⚠ Lump-Sum Withdrawal
At Retirement
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projected value after taxes & growth
Now: — (after taxes & penalties)
Projected Comparison
Now
Retirement
Keep / Roll Over
Lump-Sum Distribution
Now — Breakdown
Keep / Roll Over
Lump-Sum Withdrawal
Balance before taxes
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Federal income tax
$0
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State income tax
$0
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Early withdrawal penalty (10%)
$0
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You Keep Today
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At Retirement — Projected
Projected value (— yrs @ —)
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Potential difference at retirement
By staying invested vs. withdrawing, you could have:
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HUB Retirement and Private Wealth offers institutional and retirement services to for-profit and not-for-profit organizations and customized private wealth management services to individuals and families. HUB Retirement and Private Wealth employees are Registered Representatives of and offer Securities and Advisory services through various Broker Dealers and Registered Investment Advisors, which may or may not be affiliated with HUB International. Insurance services are offered through HUB International, an affiliate. Consult your HUB representative for additional information about the provision of specific securities, investment advisory, and insurance services. This material on this website was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.
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