Loading 401(k) Rollover Calculator...
Analyzing your retirement account options
Understanding 401(k) Rollover Options
When you leave your job, you face important decisions about your 401(k) retirement savings. Our comprehensive calculator helps you compare all available options and understand the tax implications of each choice.
Common 401(k) Rollover Options
Compare the four main strategies for your retirement savings
Key Considerations
Important factors to evaluate when choosing your rollover strategy
Tax Implications
Different rollover options have varying tax consequences
Investment Options & Fees
IRAs typically offer broader choices and potentially lower costs
Loan Availability
Only 401(k) plans allow participant loans
Required Distributions
Traditional accounts require distributions starting at age 73
Creditor Protection
401(k) plans generally offer stronger asset protection than IRAs
Rollover Timeline & Rules
Recommended: Direct Rollover
Trustee-to-trustee transfers avoid taxes, penalties, and time limits.
Avoid Common Mistakes
- •Choose direct over indirect rollovers to avoid 20% withholding
- •Consider outstanding loan impacts
- •Don't ignore old 401(k) accounts
Tax Planning Strategies
Your rollover decision should align with your overall tax strategy.
Higher future tax bracket?Consider Roth conversions during low-income years
Lower retirement taxes?Traditional rollovers may be more beneficial
Professional Guidance
For significant account balances or complex situations, consider professional advice.