From finding your old 401(k)s to helping you pick the right IRA, we’ll save you time, money and hassle.
Get startedSeriously, there’s no catch! We partner with leading IRA providers who pay us when you roll your funds over, so you can enjoy our rollover service at no cost to you, regardless of where you choose to roll over!
Our proprietary technology and experts do all the work, from finding your old 401(k)s to managing your rollover.
Capitalize is the only place to easily compare and choose the best IRA for you based on what you care about.
Our team has tackled thousands of rollovers just like yours so you can have confidence we’ll get it right. We know how to get your money moved safely and tax-free.
What’s an IRA, anyway?
An IRA (individual retirement account) is a tax-advantaged retirement account you can open on your own and isn't tied to your employer like a 401(k). An IRA is a great way to consolidate old 401(k) accounts for ease of management and control. Having an IRA doesn’t stop you from participating in any new or current 401(k)s you have at work, either!
Millions of 401(k)s get left behind, but an IRA is yours to keep. You can easily track and grow your retirement savings no matter where your career takes you.
Your old employer chose your old 401(k) options, but with an IRA, you’re in control. IRAs are more flexible than 401(k)s and usually have more investment options.
2 in 3 Americans don't know what fees they're paying in their 401(k). By opening your own IRA, you have greater visibility into your fees so you're not losing money from any unmonitored 401(k) accounts.
Both a 401(k) and IRA (Individual Retirement Account) are retirement accounts that help you save money in a tax-efficient way. But there are three key differences:
The difference between Traditional and Roth accounts comes down to when you pay taxes on your money. In a Traditional account, your ongoing contributions (savings) are made before tax. For example, money going into a traditional 401(k) gets taken out of your paycheck before you pay taxes on it. That money grows over time as the investments in your 401(k) increase in value. You’ll eventually pay taxes on it when you start withdrawing it at retirement.
The opposite is true with a Roth account. Your initial contributions are made after-tax. But since you’ve paid tax up-front you don’t have to pay any tax when you start withdrawing assets at retirement.
Think of a Traditional as a tax-me-later account whereas a Roth is a tax-me-now account.