Retirement

Dormant 401(k) Rollover Calculator

A 6-question branching wizard that maps your situation to one of 10 outcomes — rollover, NUA, Rule-of-55, SEPP/72(t), and more — with the reasoning behind each.

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How to use

Start with whether you're satisfied with the former employer's plan.
Select any scenarios that apply (future contributions, RMD age, plan loan, company stock).
Answer the income-need follow-ups if the wizard asks; it skips questions that don't fit your path.
Review the recommendation, what-this-means summary, and next-step notes.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

General guidance only — your plan document, the IRS, and a qualified advisor are authoritative.
NUA, Rule-of-55, and public-safety treatments depend on specific plan rules; verify with the administrator before acting.
Direct rollovers avoid the mandatory 20% withholding; indirect rollovers have a 60-day clock.