Updated 2026-03-30

Rule of 55 Calculator

Calculate penalty-free 401(k) withdrawals if you leave your employer at age 55+

The Rule of 55 lets you take penalty-free withdrawals from your current employer's 401(k) if you separate from service during or after the year you turn 55. SECURE Act 2.0 extended this to 403(b) plans starting in 2025.

Key Requirements

Age: Turn 55 (or older) in the year you leave
Employer: Only applies to your most recent employer's plan
Taxes: Income tax still applies, just no 10% penalty

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