401(k) Early Withdrawal Calculator
 
 

401(k) Early Withdrawal Calculator Vs. Rollover

This retirement calculator compares the consequences of taking a lump-sum distribution from your 401(k) or IRA versus rolling it over to a tax-deferred account. It analyzes early withdrawal penalties and tax consequences for the distribution so you can decide if cashing out a lump sum is worth it.

Assumptions: Contributions to plans are made before taxes, federal and state income tax rates are the same at retirement age, and the plan withdrawals are qualified withdrawals 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:

IMPORTANT!! If you are using this calculator to figure how much money you need to retire make sure to see these essential educational resources showing you how to get the calculation right…






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