Planning tool · about 5 minutes · 3 steps
Rollover Decision Tool
Answer a few questions about an old 401(k) and see which considerations favor keeping it, moving it to a new plan, or rolling to an IRA — with the trade-offs stated.
What you'll walk away with
- A side-by-side tally of the considerations that favor each option, based on your answers
- Red flags that deserve professional advice before moving anything (company stock, age-55 access)
- The safe-transfer checklist for whichever direction you choose
Your answers stay in this browser and are never uploaded. You can leave and pick up where you stopped.
The plan you're leaving
Are the old plan's fund fees low (institutional pricing)?
Check expense ratios in the plan's fund lineup — under ~0.2% is excellent.
Does the account hold appreciated company stock?
Are you 55–59½ (or will leave your job in the year you turn 55+)?
Might you need withdrawals before 59½?
Keep going
- 401(k) ContributionsSee your annual contributions, employer match, paycheck impact, and projected balance at retirement.Calculator
- Traditional vs. RothCompare the after-tax outcome of contributing pre-tax dollars to a traditional IRA versus a Roth IRA.Calculator
- The 401(k) Rollover GuideWhat to do with an old employer plan — your four options, compared calmly.Guide
- Four Things You Can Do With an Old 401(k) — and How to Not Botch the Move7 min readArticle
Want a second set of eyes on this?
If you'd like to talk through what these numbers mean for your situation, you can schedule a free, no-pressure conversation. No products, no pitch — just questions answered.