401(k) IRA Rollover Calculator
This calculator will compare the consequences of taking a lump-sum distribution of your 401(k) or IRA versus continuing to save it in (or roll it into) a tax-deferred account until retirement.

Assumptions: Contributions to plans are made before taxes, federal and state income tax rates are the same at retirement age, and the plan withdrawels are qualified withdrawels under the IRS rules.

Current balance of your plan ($):
Current age (#):
Age you expect to retire (#):
Federal income tax bracket (%):
State income tax rate (%):
Expected annual rate of return (%):
Results Lump-Sum
Current value before taxes and penalties:
Income tax paid:
Total left now:
Future value before taxes:
Future taxes to be paid:
Future net available:

THIS FINANCIAL CALCULATOR IS PROVIDED "AS IS" AND ON "AS AVAILABLE" BASIS WITHOUT  REPRESENTATIONS OR WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF SUITABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Newport Federal Bank assumes no duty to you by making this calcuator available and shall not be responsible for any errors, omissions or defects in this calculator or the consequences of any decisions or actions taken in reliance upon this calculator. Newport Federal Bank shall not be liable under any circumstances for lost profits, lost business, loss of business reputation, or any direct, indirect, incidental, special, punitive or consequential damages of any kind, whether foreseeable or not, the result in any way from, or relate in any way to, your use, non-use or reliance on this calculator. Your sole and exclusive remedy for any claim related to this calculator is to stop using it.