401(k) Rollover Analyzer

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Rollover planning

401(k) rollover analyzer

Compare a direct rollover with a 60-day rollover, then isolate how different fee assumptions compound over time.

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Adjustable assumptions
Educational estimate

Key distinction: IRS guidance says mandatory 20% withholding generally does not apply to a direct rollover, but generally does apply when an eligible employer-plan distribution is paid to you. Read IRS Topic 413.

Your rollover scenario

Compare mechanics and fee drag

The tax section estimates what could happen to the withheld portion if it is not replaced and rolled over on time. Exceptions and account-specific rules can change the outcome.

Direct rollover$0 estimated withholdingFunds move plan-to-plan; verify eligibility and instructions.

60-day rollover— withheld— paid to you

Outside funds needed to roll over full gross amount—

Estimated tax on an unrolled shortfall—

Possible additional 10% tax—

Illustrative total cost—

Long-term fee comparison

Keep current plan—— estimated fees

Self-directed IRA illustration—— entered flat fees

Free Gold IRA Guide

Find the company path that fits your investment range

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Method and limitations

The 60-day illustration uses the IRS general 20% mandatory withholding rule for eligible employer-plan distributions paid to the participant. If the withheld portion is not replaced, the calculator applies the entered federal and state rates and shows a possible 10% additional tax when age is under 59½. Exceptions, Roth conversions, after-tax contributions, plan restrictions, waivers, and other facts are not modeled. Long-term projections assume the same gross return to isolate entered fee differences.

Results are illustrations based on the values entered. They are not predictions or individualized investment, tax, or legal advice. Confirm rules, fees, returns, eligibility, and account treatment with qualified professionals and the relevant plan administrator or custodian.