See exactly what a direct rollover, Roth conversion, indirect rollover, or cash-out does to your taxes — and compare all four under the same assumptions.
IRS rollover, mandatory-withholding, and early-distribution-exception rules verified against IRS Publication 575, the IRS Rollover Chart, and Revenue Procedure 2020-46. Federal income tax uses genuine progressive brackets for the selected tax year and filing status (IRS Rev. Proc. 2025-32 / 2024-40). State retirement-income tax treatment verified per state — see the confidence level shown after you calculate. Full methodology.
Fields below start filled with example values — edit them to match your own situation, or use Reset to clear back to the example. Fields marked * are required; the rest are optional and only improve accuracy.
Determines whether the 10% additional tax, Rule of 55, the public-safety exception, or Roth qualification can apply.
Your other taxable income for the year, not counting this transaction — used to compute the incremental (progressive-bracket) tax this transaction adds.
Optional rough estimate. The default shown is California's top marginal rate and may substantially overstate your actual state tax. Enter your expected marginal state rate if known. Source verification: high. Personal estimate precision: Low.
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