1. What this site is
401kloandeadline.com (the "site") is a free, informational calculator and set of reference material about 401(k) loan repayment, plan loan offsets, and the rollover deadline that applies after you leave a job with an outstanding loan. It is operated by Red Goggles LLC ("we," "us"). By accessing or using the site you agree to these terms; if you don't agree, please don't use the site.
2. Not professional advice
The site provides general information and estimates for educational purposes only. It is not tax, legal, financial, or investment advice, and using it does not create any professional or advisory relationship. Estimated dates are not determinations, and are not a guarantee of how any plan will treat your loan. Always confirm your exact offset date and rollover deadline with your plan administrator and a licensed tax professional. See our full disclaimer.
3. Accuracy and "as is"
We build the calculator from public IRS rules and take accuracy seriously, but the underlying law, tax-filing due dates, and relief provisions change and can contain errors, and your plan's terms may differ from the federal backstop. The site is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or non-infringement. We don't warrant that the site will be uninterrupted or error-free.
4. Limitation of liability
To the fullest extent permitted by law, Red Goggles LLC will not be liable for any indirect, incidental, consequential, or special damages, or for any decision you make based on the site or its estimated dates — including any tax or penalty you incur. Your sole remedy if you're dissatisfied is to stop using the site.
5. Your inputs and privacy
The calculator runs entirely in your browser; we don't collect the separation date, loan status, balance, or tax-rate values you enter. Your use of the site is also governed by our privacy statement.
6. Intellectual property
The site's text, design, and code are owned by Red Goggles LLC or used under license. You may read, share links to, and quote reasonable excerpts with attribution. You may not copy the site wholesale, or scrape or republish it as your own.
7. Third-party links and advertising
The site links to third-party resources (such as IRS pages and sibling calculators) and is supported by display advertising. We don't control third-party sites or ads and aren't responsible for their content, accuracy, or practices.
8. Changes
We may update the site and these terms from time to time. Continued use after a change means you accept the updated terms.
9. Contact
Questions about these terms? Email [email protected] or use our contact page.
Last updated: June 8, 2026