Updated 2026-03-30

Rollover Tax Calculator

Calculate the tax impact of rolling over your 401(k) to an IRA

Direct rollovers (trustee-to-trustee) have no tax withholding and are the safest option. Indirect rollovers trigger 20% mandatory withholding, and you must deposit the full amount (including the withheld portion from other funds) within 60 days to avoid taxes and penalties.

Direct vs Indirect Rollover

Direct rollover: No withholding, no deadline, no risk
Indirect rollover: 20% withheld, 60-day deadline, must replace withheld amount
Roth conversion: Rollover to Roth IRA triggers income tax on full amount

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: 2026-03-30