A BlueLine Advisors Tool
For Job Changers
401(k) Rollover
Decision Tool
Leaving a job? You have four options for your 401(k) — and one of them could cost you tens of thousands of dollars. Enter your details to see the true financial impact of each choice and find the right path for your situation.
⚖️ All 4 options compared
💸 True cost of cashing out
📈 30-year growth projection
Your 401(k)
$
yrs
yrs
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Your Situation
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💡 Enter your 401(k) balance and details above to see a personalized comparison of all four rollover options.
Your Four Options — Ranked
Balance Today
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Before any decision
Best Option Value
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At retirement
Cost of Cashing Out
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Lost forever
Fee Drag (30yr)
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Cost of high vs. low fees
⚠️ The True Cost of Cashing Out
Cashing out your 401(k) feels like getting your money — but between the 10% early withdrawal penalty, federal income tax, and lost decades of compounding, it's the most expensive option by far. Here's exactly what you'd lose:
Early Withdrawal Penalty
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10% IRS penalty if under 59½
Income Tax Owed
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Added to your taxable income
Lost Growth (30yr)
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Compounding you'll never recover
30-Year Growth Comparison
How each option grows — or doesn't — over your investment horizon.
Roll to IRA
Roll to new 401(k)
Leave in old plan
Cash out (after tax)
Your Action Checklist
Time-sensitive steps to protect your retirement savings after a job change.
This is one of the most consequential financial decisions you'll make.
A single wrong move with your 401(k) rollover can cost you tens of thousands of dollars. A BlueLine Advisors rollover review takes 30 minutes and ensures your savings move to exactly the right place — tax-free, penalty-free, and positioned for maximum growth.
Schedule a Free Rollover Review →