Rollover vs cash-out

Show hypothetical ending values after fees versus a taxable cash-out.

Compare account choices as retirement solutions for retirement income planning: stay, roll over at a lower fee, or cash out.

State of residence

Selects the matching state income-tax pack for this tax year. Medicare, HSA, 401(k), and RMD rules stay federal.

Current balance

Your age

Filing status

Other ordinary income this year

Years until needed

Expected gross return

Annual fee if you stay

Annual fee after rollover

Cash-out qualifies for a 72(t) exception

Leave off to include the 10% additional tax before age 59½.

Nothing is saved. Leaving this page restores the example.

Example report

Illustrated results

Stay in current account

$275,601

Rollover (lower fee)

$295,066

Cash out (after tax/penalty)

$86,024

Cash-out federal tax

$35,134

Cash-out state tax

$13,842

Ending value by option

Assumptions

Stay vs rollover applies the entered annual fee difference to a constant gross return.
Cash-out uses 2026 IRS brackets and the California 2026 pack on the full distribution, plus IRC §72(t) 10% additional tax before age 59½ unless an exception is selected.
Rule year 2026: IRS federal income tax (2026-rev-proc-2025-32) and California state rules (2026-enacted-v1; progressive income tax). Medicare IRMAA, HSA, 401(k), and RMD tables are federal.

Educational planning software—not investment, tax, legal, Medicare, or Social Security advice. Projections depend on your inputs and assumptions. Optional professional review is separate when available.

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