2025 IRS
Free
401(k) & IRA Abroad Guide
What happens to your US retirement accounts when you move abroad? Understand contribution rules, early withdrawal taxes, foreign tax treatment of distributions, and rollover strategies for US expats.
Your retirement accounts
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$
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Your 401(k)/IRA analysis
Total retirement balance
$0
Early withdrawal cost (if age <59½)
$0
Tax on full 401k withdrawal
$0
Annual contribution limit (2025)
$23,500
Contribution eligibility
Your options abroad
Foreign tax treatment
Key 2025 limits
| Account | 2025 limit | Catch-up (50+) |
|---|---|---|
| 401(k)/403(b)/457(b) | $23,500 | +$7,500 |
| IRA (Traditional/Roth) | $7,000 | +$1,000 |
| SIMPLE IRA | $16,500 | +$3,500 |
| SEP-IRA | $70,000 | N/A |
| HSA (self-only) | $4,300 | +$1,000 |