QPLO Timeline Calculator (v2)

Standalone tool to estimate a Qualified Plan Loan Offset (QPLO) timeline and compare it to the old “60-day” thinking. Includes a simple tax outcome estimator if the rollover deadline is missed (planning proxy only).

No external libraries Standalone HTML + JS Estimates only Not tax/legal advice

Mode + Inputs

Comparison toggle

Old rules (60-day window)

QPLO rules (tax filing deadline)

Old vs QPLO

Old framework: after default/offset, you effectively had ~60 days to “fix it.” This is the outdated mental model most people still use. Toggle to QPLO mode to model the tax-filing deadline (including extensions) approach.

Assume you file an extension? QPLO only

In QPLO mode, the rollover window is modeled to the filing deadline for the offset year (with/without extension). In Old mode, this extension toggle is ignored.

Job separation date

First missed payment date (optional)

Offset date input mode

Estimated offset lag (months)

Tax Outcome Estimator (If You Miss the Deadline)

This is a simple estimator: tax = loan offset × marginal rate, and if under 59½ it adds an optional 10% penalty. This does not model credits, state tax, deductions, withholding, net investment tax, etc.

Loan offset amount (for estimate)

Marginal tax rate (decimal %)

Under age 59½ during offset year?

Include 10% penalty in estimate?

Practical reminder

Plans vary on when they process offsets. IRS deadlines can shift due to weekends/holidays/disaster relief. Use manual offset date and/or custom deadlines if you want to match a real-world fact pattern.

Results

Offset Date (QPLO event)

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1099-R Tax Year (Offset year)

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Rollover / “Fix” Deadline (Mode-based)

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Mode

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Runway: Separation → Deadline

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Runway: First Miss → Deadline

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Tax Outcome (If Deadline Missed)

Estimated income tax

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Estimated penalty

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Estimated total cost

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Estimated net retained

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