401(k) IRA Rollover Calculator
This calculator will compare the consequences of taking a lump-sum distribution of your 401(k) or IRA versus continuing to save it in (or roll it into) a tax-deferred account until retirement.

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 balance of your plan ($):
Current age (#):
Age you expect to retire (#):
Federal income tax bracket (%):
State income tax rate (%):
Expected annual rate of return (%):
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Results Lump-Sum
Distribution
Rollover
to
Tax-Deferred
Current value before taxes and penalties:
Penalties:
Income tax paid:
Total left now:
Future value before taxes:
Future taxes to be paid:
Future net available: