📈 Calculator

Rollover Growth Projector

The difference between rolling over and cashing out isn't just the penalty — it's decades of compound growth you'll never get back. See the real number.

Your Numbers

Current Account Balance

Years Until Retirement

20 years

Federal Tax Bracket (for cash-out)

Are you under 59½? (10% penalty applies)

Expected Annual Return

S&P 500 historical average ≈ 10%, conservative estimate ≈ 6–7%

Your Two Futures

🔄 If You Roll Over

—

at retirement

💸 If You Cash Out & Reinvest

—

at retirement

Rolling over leaves you with — more at retirement

Roll over Cash out & reinvest

Penalty & taxes on cash-out —

Net after cash-out —

Lost compound growth —

Projections are illustrative only. Past market performance does not guarantee future results. Does not account for inflation or state taxes on cash-out.