Updated 2026-03-20

What to Do With Your 401(k) When You Retire

Options for your 401(k) at retirement: leave it, roll over, annuitize, or withdraw. Income calculator and decision guide.

What You Will Learn

This guide covers everything you need to know about what to do with your 401(k) when you retire. We break down the rules, compare your options, and provide tools to help you make informed decisions about your retirement savings.

Enable JavaScript for the full interactive experience with calculators, live data, and tools.

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-20

RMD Guide: Required Minimum Distributions

Calculate your Required Minimum Distribution using IRS tables. SECURE 2.0 age changes, penalty rules, and tax reducti...

401(k) Withdrawal Rules & Penalties

When can you withdraw from your 401(k)? Rules for early withdrawal, RMDs, hardship, and penalty-free access.

401(k) Annuity Options: Guaranteed Lifetime Income in Your Plan

How in-plan annuities provide guaranteed retirement income. SECURE 2.0 portability, cost comparison, and annuity vs s...

401(k) Rollover Pros & Cons

Advantages and disadvantages of rolling over your 401(k) to an IRA.