The fast, easy way to move your old 401(k)s — for free.

We make rollovers a breeze. From finding your old 401(k)s to helping you pick an IRA, we'll save you time, money and hassle.

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How It Works

Start your rollover in minutes

Locate your 401k

Tell us your old 401(k) provider if you know it, or we can track it down via your old employer.


We do the heavy lifting, including any administrative work and dealing with your old 401(k) providers.

The Best Part?

It’s free. Because we only win when you do.

We've partnered with leading brand-name IRA providers so you can choose where to roll over. We get paid by those partners when you roll over, which allows us to keep the service free for you.

No matter where you decide to move your old 401(k), we’ll help you do it - for free.

blue stepping stones
Real humans and smart technology make rolling over easy.

Our team has tackled thousands of rollovers just like yours so you can have confidence we'll get it right. Whether you have a traditional or Roth 401(k), we know how to get your money moved safely and tax-free.

Customer Service

Our customers rate us 4.9 out of 5 on

Trustpilot Trustpilot Ratings

Trustpilot Ratings5 / 5
Made the 401(k) rollover process a dream!

I dreaded having to do it because it's hassle, however Capitalize made it a simple and seamless process. I highly recommend them!.


Trustpilot Ratings5 / 5
SO dang easy!

I've been putting off my rollovers for years, but Capitalize made it SO dang easy. We did three in one quick session. Will definitely recommend it to all my friends!

Leigha B.

Trustpilot Ratings5 / 5

They help you every step of the way and even help summarize the different IRA companies to help you choose one. I didn't have to do anything other than set up the IRA accounts and conference call to transfer funds. Capitalize took care of the rest!


Trustpilot Ratings5 / 5
Fantastic service and easy to use!!

I was recently switching jobs and found Capitalize. My new 401(k) provider wanted 15 pages, but Capitalize made the 401(k) rollover SO SIMPLE. I couldn't recommend them higher. Fantastic customer support even when I didn't understand something.

Kyle C.

Trustpilot Ratings5 / 5
So easy and quick!

I had to move two 401(k)s from different banks to a third bank. Tom walked me through the whole process, stayed on the line to verify everything, and I received email updates and prompts along the way. Super easy and stress free. I’ve rolled over a previous 401k alone….I won’t be doing that ever again, ha.

Kylie D.

Trustpilot Ratings5 / 5
Archaic process made seamless!

Capitalize helped me find the best rollover IRA account for my needs and did the hard part for me by scheduling a call with my old 401K provider and arranging the check.

Adeel A.

Trustpilot Ratings5 / 5
Blown away by this experience.

I wish everything I did was as uncomplicated as Capitalize rolling over my 401k!

Shannon T.

Trustpilot Ratings5 / 5
Smooth process, helpful team.

This is one of those things I’ve put off for years and the team took care of it so quickly. Once you kick off the process the Capitalize team does the hard part, chases your money down and makes sure it’s all rolled over and accounted for. Highly recommend!

Martin D.

Trustpilot Ratings5 / 5
Great service.

My wife had an old 401k from a long-ago employer listed with her maiden name and an old address we couldn't access any more. When I found out about Capitalize, I filed the request to move the money out, and it worked right away! I was frankly kind of shocked at how smooth and easy the process was

Amos Z.

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Let's get you up to speed
We're all about saving — but not when it comes to questions. Get the 411 on 401(k)s and more.
What is a rollover?
It’s the technical term for the money you transfer from a 401(k) to another retirement account, like an IRA. It’s what most people choose to do with the money they’ve saved in their 401(k) account when leaving a job. A rollover is different to a withdrawal, which is when you pull your money out of a 401(k) and pay taxes on it. A rollover is tax-free because your money stays in a retirement account.
What's the difference between a 401(k) and an IRA?

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:

  1. A 401(k) is provided by an employer whereas an IRA is something that you open on your own at any time (that’s why it’s an individual retirement account).
  2. A 401(k) is generally used to make new contributions while an IRA is more often used to transfer 401(k) savings into when you leave a job.
  3. You lose the ability to contribute to an old 401(k) when you leave your job and it can sometimes be transferred without your consent by your old employer. That can never happen with an IRA since it’s fully controlled by you and in your name.
What if I have a 403(b) instead of a 401(k)?
We can help with 403(b) accounts as well! Our process is the same since they’re very similar to 401(k) accounts.
Do you help with Roth 401(k)s too?
Yes, we do. If you have a Roth 401(k) we’ll help roll it over it into a Roth IRA so that you keep the same tax benefits.
What's the difference between Traditional and Roth accounts?

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.

Can you rollover multiple 401(k)s?
Absolutely, and it’s often a good thing to do. One of the problems with keeping multiple 401(k)s is that you’ll have different fees and investment options in each; that can make it more difficult to keep track of your investments. Consolidating into a single IRA via a rollover can make it much easier to monitor your savings and make sure your fees and investments are appropriate.
How does Capitalize do this for free?
In order to provide a free service to our users we have partnership agreements with IRA providers who pay us a referral fee if you choose to open an account through us. But our job is to help you simplify your retirement accounts and we only win if you do. We also help people who already have an IRA account even though we might receive no compensation in these situations — because it’s just the right thing to do.
You can count on us to protect your data.

We defend your data using bank-level encryption, so your information stays safe and secure.

We’ll guide you through the world of 401(k)s, IRAs, and rollovers to help you save for retirement.
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Start your rollover online in minutes — and we'll take it from there.

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