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What Happens to Your 401(k) When You Change Jobs?

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401(k) Plan Testing Explained: ADP, ACP, and Top-Heavy Rules

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How to Improve 401(k) Participation Rates Among Employees

Advanced 401(k) Strategies & Special Topics

401(k) Auto-Enrollment and Auto-Escalation: Should Your Plan Include Them?

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At age 73, be prepared to take an RMD.

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The benefits of establishing a 401(k) far outweigh the cost. Discover how affordable a plan is today.
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401(k) CALCULATOR

Required Minimum Distribution (RMD)

Estimate your IRS-required withdrawals with our RMD Calculator. Enter your date of birth, account balance, and growth rate to see a 7-year forecast. If your spouse is your sole beneficiary and significantly younger, we adjust for joint life expectancy. Plan ahead and stay compliant.

Do You Have Questions?
Each field you select will be explained here.
Annual Retirement Income
Once retired, how much annual salary do you require to live the lifestyle you desire?
Current Age
Enter your current age. This helps determine how many years you have until retirement.
Retirement Age (planned)
Enter the age you plan to retire. The majority of American workers retire at age 65+
Current 401(k) Balance
How much do you currently have saved in your 401(k) account for retirement?
Current Salary
How much salary will you earn in 2025?
Current Contribution Rate Percent
What % of your salary are you currently contributing to a 401(k) plan?
Employer Matching Percent
Does your employer offering matching? If so, enter the % they currently match at.
CALCULATOR FIELD GUIDE

Projection Chart

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RMD Notes

  • Annual Deadline: Your RMD must be withdrawn by December 31 each year.
  • First-Year Deferral: If you turn 73 this year, you have a one-time option to delay your first RMD until April 1 of next year.
  • IRS Penalty: Missing your deadline could result in a 25% penalty on any amount not withdrawn.
  • Tax Impact: RMDs are taxed as ordinary income, which may affect your tax bracket.

401(k) Library

401(k) Library

401(k) Plan Basics

Safe Harbor vs. Traditional 401(k) Plans: Choosing The Right Plan For Your Business

Safe Harbor plans simplify compliance by requiring mandatory contributions and immediate vesting, ideal for high contributions and low admin effort. Traditional 401(k) plans offer flexibility in contributions and vesting but come with compliance testing and greater administrative demands.

Continue to Article
401(k) Plan Basics

What Happens to Your 401(k) When You Change Jobs?

Employer Responsibilities & Compliance

401(k) Plan Testing Explained: ADP, ACP, and Top-Heavy Rules

Employee Financial Education & Retirement Planning

How to Improve 401(k) Participation Rates Among Employees

Advanced 401(k) Strategies & Special Topics

401(k) Auto-Enrollment and Auto-Escalation: Should Your Plan Include Them?

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Answer a few quick questions about your business. We'll build a preliminary design, then finallize it together.
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