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