T. Rowe Price 401(k) rollover
Your T. Rowe Price 401(k) rollover, step by step — without missing the IRS 60-day deadline.
T. Rowe Price rollovers have a specific path: the right phone tree, the right form, and the pitfalls almost nobody mentions. Get a personalized plan in 3 minutes.
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Customer service
1-800-922-9945 (Retirement Plan Services); 1-800-225-5132 (Personal Investor)
Mon-Fri 7am-10pm ET
Transfer method
ACATS (electronic) eligible
5-7 business days (ACATS if available); 10-14 days for paper
Form name
401(k) Distribution / Rollover Election (online or form)
Login portal
https://www.troweprice.comWhat makes T. Rowe Price unique
Three pitfalls T. Rowe Price rollovers run into.
- 01
Two different sides of T. Rowe Price — 'Retirement Plan Services' (employer 401(k)) and 'Personal Investor' (brokerage / IRA). The phone numbers and forms are DIFFERENT. Find your account on your statement to know which side you're on.
- 02
T. Rowe Price will often let you complete the rollover entirely online if your destination custodian is on their preferred network (Fidelity, Vanguard, Schwab, E*TRADE). Try the online wizard first — saves a week vs paper.
- 03
If you have employer match still vesting at the time of distribution, T. Rowe will forfeit the unvested portion. Confirm your vested balance in the participant portal BEFORE you initiate — sometimes waiting a few weeks vests another tranche.
The 5-step playbook
Here's the path for T. Rowe Price → IRA.
- Day 0
Identify which side of T. Rowe Price you're on.
Look at your statement. If it says 'T. Rowe Price Retirement Plan Services' or has an employer name, you're on the RPS side (1-800-922-9945). If it just says 'T. Rowe Price' with a brokerage account number, you're on the Personal Investor side (1-800-225-5132).
- Day 1
Verify vested balance + open destination account.
Log into rps.troweprice.com (or troweprice.com for personal investor). Confirm your VESTED balance is what you expected — unvested employer match is forfeited at distribution. Open your destination account if you haven't already.
- Day 2
Initiate the rollover.
Best path: log into the T. Rowe portal → 'Move money out' → 'Direct rollover'. The online wizard handles destinations on their preferred network (Fidelity, Vanguard, Schwab, E*TRADE). For other destinations, you'll be routed to a form to download, fill out, and fax/upload.
- Get my free preview → to see steps 4–5 + the day-by-day checklist + your personal deadline date.
FAQ
Common questions.
How long does a T. Rowe Price 401(k) rollover take?
5-7 business days (ACATS if available); 10-14 days for paper. Plan for the upper end of that range — the IRS 60-day window starts the day your distribution check is issued, not the day it arrives.
What's the IRS 60-day rule?
If you take an indirect rollover (check made out to you), you have 60 calendar days to redeposit the FULL amount into another qualified account. Miss it and the distribution is taxed as ordinary income plus a 10% penalty if you're under 59½. Direct rollovers (custodian-to-custodian) avoid this entirely.
Will I owe taxes on a T. Rowe Price 401(k) rollover?
Not if you do a DIRECT rollover into a Traditional IRA or another pre-tax 401(k). Rolling into a Roth IRA is a conversion — you'll owe ordinary income tax on the converted amount. We model this in your full plan.
Can I roll the T. Rowe Price 401(k) into an IRA at the same place?
Yes — you can roll a T. Rowe Price 401(k) into a T. Rowe Price IRA. It's the simplest path because there's only one account login. But shop the destination: some custodians offer better fund options or lower fees than your old plan side.
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