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Don't leave your old 401(k)s in the dust.

We find, consolidate, and roll over your retirement savings into one account — for free.

Start your free rollover
Why roll over?

Keeping track of your retirement savings can be tough — but it (literally) pays off.

Rolling over your 401(k)s into an IRA keeps your money consolidated and growing all in one place.

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Why roll over into an IRA?

Consolidating your old 401(k) accounts makes it easier to track and adjust your savings in the future.

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Control your money

Rolling over into an IRA (individual retirement account) means your savings stay with you — and not your old employer.

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Maximize your savings

Moving into an IRA can help you avoid fees in forgotten 401(k)s and ensure your money is invested in the right way.

Did you know?

There are 24 million forgotten 401(k)s. Not to worry — we'll make sure yours isn't one of them.

Find your old 401(k)s
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Helping you choose an IRA that's right for your money.
We’ve partnered with leading brand-name providers of IRAs so you can choose where to roll over. As an independent platform — and not an IRA provider — we’re not trying to sell you on our own solution. Instead, we help you compare your options and pick an IRA that’s best for your situation.

How it works
When it comes to rolling over, we do all the heavy lifting — while you keep saving.
Our streamlined process lets you trade in annoying paperwork and headaches for a simple online experience, complete with access to a team of rollover concierges.
Start your free rollover
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Tell us where your 401(k) is located, if you know

If you’re not sure, we’ll use our extensive database to help you find it.

Get help selecting an IRA to roll your money into

We’ll guide you in selecting a new IRA that suits your needs. You can also use an existing IRA if you have one.

We handle the details

We'll manage any paperwork, field phone calls, and coordinate the rollover transfer — so you don’t have to.

Your accounts are streamlined

Your savings will end up in one IRA, where they’ll be easy to monitor and continue to grow.

Receive long-term support

As you start new jobs and try new things, we'll be here whenever you need us.
We'll handle your to-do list
To Do: Capitalize Logo YOU
Searching for your old 401(k)s Checkmark X Mark
Researching the best IRA for you Checkmark X Mark
Dealing with old 401(k) providers Checkmark X Mark
Completing any paperwork Checkmark X Mark
Updating as life changes Checkmark X Mark
Why Capitalize?

We provide the support you need to roll over — and get rewarded later.

Capitalize is the only retirement savings platform that makes sure your money moves to the best place for you. We'll manage your entire rollover from start to finish, then help you track and adjust your retirement plan for life.

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Collect what's yours

We'll ensure that your hard-earned money is safely stored in one place for your future — so you don't lose track of it.

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Get expert, ongoing support

From finding old accounts to selecting new ones, we'll guide you through every decision.

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Never pay a dime

No hidden fees — or any fees at all. We get paid by our IRA partners if you choose to open a new account. That never impacts the fees you pay.

You can count on us to protect your data.
SOC 2 Compliant
We’re SOC 2 compliant and follow the rigorous standards that apply to the world’s leading financial institutions, ensuring your data is managed with complete privacy and protection.
Bank-Level Encryption
We defend your data using bank-level encryption, so your information stays safe and secure.
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 generally 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. It’s also harder to keep track of. Consolidating into a single IRA makes 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.
Get Started

Start your rollover with just one click — and we'll take it from there.

Start your free rollover