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U.S. retirement

401(k) after layoff decision helper

Compare the immediate cash trade-off with a direct-rollover value using your own assumptions.

Free to use · Your temporary inputs stay in this browserLast verified: September 2026IRS tax on early distributions

Illustrative options

$6,800 cash after estimated tax

Direct-rollover value: $50,000

Estimated immediate tax and additional-tax cost: $3,200

This does not determine the Rule of 55, loan-offset, withholding, or plan-specific exceptions. Ask the plan administrator and a tax professional.