401(k) Rollover Calculator

Current 401(k) Balance ($):

Annual Contribution ($):

Annual Rate of Return (%):

Years to Grow:

Type of Account: Traditional IRA Roth IRA New 401(k)

Annual Fees ($):

Calculate Rollover

Rollover Results

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401(k) Rollover Calculator: Plan Your Financial Future with Confidence

Welcome to the 401(k) Rollover Calculator, your essential tool for understanding the potential impact of rolling over your 401(k) into another retirement account. Whether you are changing jobs or planning your retirement strategy, this calculator helps you visualize the long-term growth of your 401(k) savings and make informed decisions about your retirement funds.

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What is a 401(k) Rollover?

A 401(k) rollover is the process of transferring the funds from your old 401(k) to a new retirement account, like a Traditional IRA, Roth IRA, or a new 401(k). This process allows your retirement savings to continue growing tax-deferred (or tax-free with a Roth IRA) and can help you manage your investments more efficiently.

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Why Use the 401(k) Rollover Calculator?

Our 401(k) Rollover Calculator is designed to help you understand how your retirement savings will grow over time when transferred into different types of accounts. Here’s why it’s important:

• Project Future Value: See how much your current 401(k) balance could grow over time with contributions and an estimated rate of return.
• Account for Fees: Factor in any potential annual fees that may impact your savings over the years, helping you choose the best retirement account.
• Understand Tax Implications: Get a better grasp of how taxes will affect your rollover, especially with a Roth IRA versus a Traditional IRA or a New 401(k).

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How to Use the 401(k) Rollover Calculator

1. Current 401(k) Balance ($):
   Enter the balance currently in your 401(k) account. This is the amount you are considering rolling over to a new account.
2. Annual Contribution ($):
   Input the amount you plan to contribute to your retirement account each year, including employer matches if applicable.
3. Annual Rate of Return (%):
   Estimate the annual return rate you expect from your investments, typically ranging from 5% to 8% for conservative to moderate portfolios.
4. Years to Grow:
   Determine how many years your funds will grow in the new account. This will help project the future value based on compound interest.
5. Account Type:
   Select the type of account you plan to roll over into (Traditional IRA, Roth IRA, or New 401(k)). Each account type has different tax implications that will affect your savings in the long term.
6. Annual Fees ($):
   Enter any annual fees associated with the new retirement account. Fees can significantly impact the growth of your savings over time.

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Understanding Your Results

Once you input your data and hit “Calculate Rollover”, the 401(k) Rollover Calculator will generate the following results:

• Projected Rollover Value After X Years:
  This is the estimated future value of your rollover after factoring in your contributions, rate of return, and fees. It helps you see the long-term benefits of your rollover strategy.
• Estimated Fee Impact:
  The calculator will show the impact of fees on your retirement savings over the specified time period. Even small fees can add up over the years, so it’s important to consider them when selecting an account.
• Tax Implications:
  The tax treatment of your rollover depends on the type of account. The calculator will explain whether taxes will be owed upon withdrawal (as with a Traditional IRA or New 401(k)) or if your withdrawals will be tax-free (with a Roth IRA).

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Optimize Your Retirement Savings

By using our 401(k) Rollover Calculator, you can better understand how different rollover options impact your retirement planning. Whether you are rolling over to a Traditional IRA, Roth IRA, or New 401(k), this calculator helps you make more informed decisions, so you can grow your retirement savings efficiently.

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Start Planning Your Financial Future Today!

Don’t leave your retirement to chance. Use our 401(k) Rollover Calculator to project your savings, plan for the future, and ensure you’re making the best financial decisions for your long-term goals. Start your rollover today and maximize your retirement potential!

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