Free decision tool
Should you actually roll over your 401(k)?
Every other rollover tool assumes you should roll. Sometimes you shouldn't — early-retirement access at age 55, employer stock tax breaks, an old plan with great fees and good index funds. We'll tell you honestly which path fits your situation.
When staying is the right move
- Rule of 55 eligibility
- If you separated from service in the year you turned 55+, the old 401(k) gives you penalty-free access until 59½ — IRAs don't. Rolling forfeits this permanently.
- Employer stock in your 401(k)
- If your 401(k) holds appreciated company stock, a special tax election (called Net Unrealized Appreciation) can save tens of thousands — but only if you choose it at the time of distribution. Rolling first = the election is gone forever.
- Excellent plan fees + fund lineup
- Mega-employer 401(k) plans (Google, Microsoft, federal TSP) sometimes have lower fees and better institutional fund access than retail IRAs. Rolling may cost you money.
- Outstanding 401(k) loan
- Resolve the loan first — rolling with an outstanding balance can trigger a taxable loan-offset distribution. Different remediation path, not a normal rollover.
This tool provides educational information about rollover trade-offs. It is not personalized financial or tax advice. Consult a CPA or fiduciary advisor for advice on your specific situation.