401(k) rollover calculator

Vested dollars, fee drag, Roth conversion tax, and the cash-out penalty. Numbers update as you type. The URL is shareable.

Read the rollover guide first if you have not. Rule of 55 and NUA do not fit in a spreadsheet — they can still beat the “highest bar.”

Statement balance (old 401k) Vested % Unpaid loan Your age Years until you tap it Expected annual return %

Old plan all-in fee % New 401(k) all-in fee % IRA all-in fee % Ordinary tax rate now % Tax rate in retirement %

All-in fee = expense ratio plus plan admin, as a percent of assets. IRA “fee” is usually just the fund ER if you pick an index.

After 20 years, after-tax spending power

Estimates only. The 10% additional tax before age 59½ is IRC §72(t). Rule of 55, NUA, state tax, NIIT, and IRMAA are not in these bars. A conversion uses today’s rate; the IRA and 401(k) bars apply the retirement rate at the end. Fee drag is the return you type minus the all-in fee you type. Educational only.

Need the sequenced checklist (beneficiaries, 1099-R codes, after-tax split)? Premium playbook, PayPal.