Retirement Planning Tools

IRA Rollover Calculators

Use these free, beginner-friendly calculators to compare rollover growth, cash-out taxes and penalties, brokerage bonuses, and future RMD estimates before making a retirement account decision.

Educational only. These calculators do not provide tax, legal, or investment advice. Always consult a qualified financial or tax professional before making rollover decisions.

IRA Growth Calculator

Estimate how a rollover balance may grow over time using your current balance, planned contributions, time horizon, and expected annual return.

Current Rollover Balance

Annual Planned Contributions

Years Until Expected Retirement

Estimated Annual Return (%)

S&P 500 long-term baseline historical average sits near 10%; real return adjusted for baseline inflation is often modeled around 7%.

Cash-Out vs. Rollover Costs

Cashing out a 401(k) or retirement account before retirement age can create taxes, penalties, and lost future growth. Estimate the possible cost before you make a decision.

Account Balance to Cash Out

Marginal Federal Tax Bracket (%)

Unsure? The 22% rate marks a common middle-income bracket tier for standard individual or joint filers.

Current Age

Distributions executed prior to reaching age 59½ generally trigger a statutory 10% IRS early withdrawal tax penalty.

State Income Tax Rate (%)

Input 0 if your legal primary residence falls within a jurisdiction with zero individual earned income tax.

Rollover Bonus Breakeven Analysis

Some brokerages offer rollover bonuses, but higher fees can reduce or erase the value of that bonus over time. Compare the bonus against potential ongoing costs.

Total Rollover Amount

Advertised Cash Bonus ($)

New Platform Expense Ratio (%)

Low-Fee Alternative Ratio (%)

Standard core indexed offerings vary from 0.00% up to roughly 0.03% within index fund segments across top discount providers.

Required Minimum Distribution (RMD) Estimator

Traditional pretax retirement accounts may require withdrawals beginning at a certain age. Use this estimator to understand potential future Required Minimum Distributions.

Strategic Note: Roth IRAs are exempt from statutory mandatory lifespan RMD parameters throughout the original setup owner's lifetime—constituting a major asset differentiation versus traditional pretax options.

Current Age

Input parameters require an age benchmark under 73 to accurately model prospective future distributions.

Current Account Balance

Assumed Growth Rate Until Age 73 (%)

Projected Asset Value at Age 73

Initial Statutory RMD (Age 73)

Monthly Liquidation Equivalent

First 5 Years Distribution Schedule

Age Bracket	IRS Distribution Factor	Projected Mandatory Amount

RMD estimates use current IRS Uniform Lifetime Table assumptions. Actual RMDs depend on your account balance on December 31 of the prior year and your personal tax situation.

Next step: compare your rollover options

Best IRA Rollover Platforms → IRA Rollover Tax Guide → Gold IRA Education Guide →

IRA ROLLOVER HUB

Keep Learning — Your Rollover Toolkit

Every tool you need to move your retirement money safely and tax-free.

Platform Guide

Best IRA Rollover Platforms 2026

Compare Fidelity, SoFi, Ally, Robinhood & Webull.

Gold IRA Guide

Complete Gold IRA Education Guide

Rules, costs, risks — everything in one place.

Tax Guide

IRA Rollover Tax Guide

Withholding traps, 1099-R, Roth conversions.

IRS Rules

IRS IRA Rules & Contribution Limits

60-day rule, RMDs, limits — with IRS citations.

Open a Free IRA Today

Fidelity

$0 fees, industry leader

Open IRA →

SoFi

Up to $5K IRA match

Open IRA →

Ally

No account minimum

Open IRA →

Robinhood

3% IRA match transfer

Open IRA →

Webull

Commission-free trades

Open IRA →