401k Loan Deadline.com

Disclaimer

An educational estimate — not advice.

401kloandeadline.com helps you understand when an unpaid 401(k) loan becomes taxable and your deadline to roll it over. It's a starting point for your own research, not a substitute for professional guidance or your plan's own terms.

Not professional advice

The information and estimates on this site are provided for general educational purposes only. They are not tax, legal, financial, or investment advice, are not a substitute for advice from a qualified professional, and don't create any advisory relationship. A missed 401(k) loan rollover deadline has real financial consequences — before you act, confirm your situation with your plan administrator and a licensed tax professional.

What is estimated vs. exact

The calculator produces an estimate of the key dates, not a determination of how your plan will actually treat your loan. In particular:

  • The offset date. We estimate when a good-standing loan is likely offset based on the IRC §72(p) cure-period backstop (the calendar quarter after the quarter you separate). Your plan can offset sooner, and many plans require full repayment within roughly 60–90 days of separation. The exact offset date is set by your plan, not by this tool.
  • The rollover deadline. For a qualified plan loan offset (QPLO), the rollover deadline is the due date, including extensions, of your federal income-tax return for the year the offset occurs. The tool shows the conservative unextended date by default and the extended date when you toggle the extension.
  • Which year the offset lands in. If your offset falls in a later calendar year than your separation, your deadline moves accordingly. When the exact offset date matters, your plan administrator can confirm it.
  • The tax and penalty figures. The optional balance and rate fields produce a rough exposure estimate — ordinary income tax plus the 10% early-withdrawal penalty if you're under age 59½. It is not a tax return and doesn't account for your full situation or any applicable exception.

Time-sensitive and subject to change

This tool models current federal law: the extended QPLO rollover window under the Tax Cuts and Jobs Act (effective 2018), the IRC §72(p) loan rules, and the additional 10% tax under IRS Topic No. 558. Tax-filing due dates shift year to year, and special relief provisions (such as CARES-era or federally declared disaster extensions) have existed and may apply to you — we note but do not model them. Verify current dates and any relief with the IRS before relying on them.

Verify before you rely on it

For the exact date your loan will be offset and whether continued repayment is allowed after separation, ask your plan administrator. For the tax and rollover mechanics, consult the IRS Plan Loan Offsets guidance and a CPA or tax attorney. We do our best to keep the rules accurate and to cite primary sources, but we make no warranty of accuracy or completeness and accept no liability for decisions made based on this site. See our terms of use.

No affiliation

401kloandeadline.com is an independent tool operated by Red Goggles LLC. It is not affiliated with, endorsed by, or connected to the IRS, the Department of Labor, or any 401(k) plan administrator, recordkeeper, or employer.

Last updated: June 8, 2026