What’s your old 401k actually worth to you?

Enter three numbers. See exactly what happens to your money under four different scenarios. No email required, no signup wall. Just the math nobody explained to you.

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Updated for 2026

The Old 401k Value Calculator

See what your retirement account is really worth

Free Tool

Your old 401k balance today

Your current age

yrs

25 65

Expected annual return average market return is ~7%

Conservative (3%) Aggressive (12%)

Your results at age 65

Rolling over to an IRA could mean $43,200 more at retirement.

Roll to IRA Typically best

Lower fees (~0.15%), more investment choices

$540,000

Roll to new 401k

If new plan has low fees and good funds

$510,000

Leave it alone

Typical 401k fees (~1%) eat into growth

$496,800

Cash out Costs the most

10% penalty + federal and state taxes

$51,000

Heads up: Cashing out now would cost you $489,000 in future retirement money compared to rolling it over.

Want the rest?

Get your personalized action plan

We’ll email you a step-by-step breakdown of how to make the rollover happen, which providers to look at, and the exact mistakes to avoid.

One email with your action plan. Unsubscribe any time.

Assumptions: Retirement age of 65. IRA fees of 0.15%, new 401k fees of 0.5%, old 401k fees of 1.0%. Cash-out scenario assumes 10% early withdrawal penalty plus 22% federal and 5% state tax. Returns compound annually. Actual results depend on market performance, fees, and tax situation.

How this calculator works

The real math behind your retirement money.

Compound growth

Your money grows exponentially, not linearly

A 401k earning 7% annually doubles every ten years. That’s why small differences in fees compound into huge dollar amounts over time.

Fee drag

A 0.85% fee difference costs six figures

Typical 401k fees are around 1%. A low-cost IRA runs about 0.15%. Over 25 years on a $75k balance, that difference adds up to tens of thousands.

Cash-out cost

Early withdrawal is a triple penalty

You pay 10% IRS penalty, federal income tax (22% typical), and state tax. Then you lose all the future compound growth that money would have earned.

Why we built this

Most people have no idea what their old 401k is costing them, because nobody ever put the numbers in front of them. Now the numbers are in front of you.

401kFunds · Independent retirement education

Run the numbers, make the right call.

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