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 (%):
|
|
|
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:
|
|
|