401k Calculator

This 401k calculator will demonstrate what to expect from taking a lump-sum 401k distribution compared to a 401k rollover to a tax derferred IRA retirement account.

Assumptions: Contributions to plans are made before taxes, federal and state income tax rates are the same at retirement age, and the plan withdrawels are qualified withdrawels under the IRS rules.

Current 401k Balance ($):
Current Age (#):
Expected Retirement Age (#):
Federal Income Tax Bracket (%):
State Income Tax Rate (%):
Expected Annual Rate of Return (%):
Results Lump Sum Distribution Rollover to Tax-Deferred
Current Value Before Taxes & Penalties:
Penalties:
Income Tax Paid:
Total Left Now:
Future Value Before Taxes:
Future Taxes to be Paid:
Future Net Available:

401k Rollover Calculator

This online 401k calculator will show you what the taxes and penalities will be when taking a lump-sum distribution on your 401k plan verses doing a 401k rollover to a tax-deferred retirement plan. This is a great tool to use when deciding what to do with your 401k when you change jobs.

Disclaimer: This 401k calculator is for planning purposes only and does not constitute an investment offer. The output of this retirement calculator may vary from your actual retirement plan and income due to changes in the amount invested, withdrawals, fees, and changes in interest rates.