An independent 401(k) loan deadline calculator.

Who runs this

401kloandeadline.com is published by Red Goggles LLC, an independent operator of free web calculators and reference tools. We are not a plan administrator, a broker, a financial advisor, or a government agency, and we are not affiliated with the IRS, the Department of Labor, or any 401(k) recordkeeper. We don't sell anything, we don't collect leads, and we don't take your information — the calculator runs on your device and nothing you type is sent to us.

Why this site exists

When you leave a job with an outstanding 401(k) loan, the rule that actually matters is a date — and almost every page that explains it hands you the rule as prose and makes you compute your own deadline. The incumbents (SmartAsset, Experian, TurboTax, the IRS pages, generic "401(k) loan calculators") either explain the offset in words or run amortization math. None of them turn your separation date into the exact date the loan becomes taxable and the exact date your rollover window closes. That gap — one input, real dates out — is the entire reason this tool exists.

How it's calculated

The tool models public federal rules, applied in the open:

• The QPLO vs. deemed-distribution branch. A loan that was in good standing when you left and is offset because you separated is a qualified plan loan offset (QPLO), which carries an extended rollover clock. A loan that was already in default before you left is a deemed distribution with no extended rollover window — so the tool shows no rollover deadline on that path.
• The rollover deadline. For a QPLO, you have until the due date (including extensions) of your federal income-tax return for the year the offset occurs to roll the offset amount over and avoid tax and the 10% penalty. This extended window is the Tax Cuts and Jobs Act change, effective 2018 — not the old 60-day rule.
• The tax + 10% penalty. If the offset amount isn't rolled over in time it's ordinary income for the offset year, plus a 10% early-withdrawal penalty if you're under age 59½ and no exception applies. The optional balance and rate fields dollarize that exposure.

The full method is spelled out on the calculator page under How the deadline works and QPLO vs. deemed.

How we stay accurate and current

This is a YMYL (money) topic where a wrong date can trigger a real tax and penalty event, so we anchor every rule to a primary source and state the mechanics plainly rather than dramatize them. We cite the IRS Plan Loan Offsets guidance, IRC §72(p) and §402(c)(3), and IRS Topic No. 558 on the additional 10% tax. Tax-filing due dates and any relief provisions can change, and your plan's terms can be stricter than the federal backstop, so every page carries a dated "reflects current federal law" note and a standing instruction to confirm your offset date with your plan administrator.

How the site is funded

401kloandeadline.com is free and supported by display advertising. Advertising is kept calm — people reach this tool stressed about a tax hit — and never mixes with your inputs. See our privacy page for exactly what is and isn't collected.

Questions or corrections? We take accuracy seriously on a topic this consequential — reach us on the contact page.