QPLO Timeline Calculator (v3)

Standalone tool to estimate a Qualified Plan Loan Offset (QPLO) timeline, test whether the offset occurs within the required 12-month severance window, compare it to the old “60-day” thinking, and estimate the tax cost if the rollover deadline is missed.

Default = QPLO/current-law mode 12-month qualification test Standalone HTML + JS No external libraries Not tax/legal advice

Mode + Inputs

Comparison toggle

Old / Non-QPLO 60-day window

QPLO rules

QPLO vs Old

QPLO framework: after a loan offset, the extended filing-deadline rollover window only applies if the offset qualifies. For a severance-based QPLO, this calculator requires the offset to occur within 12 months of job separation.

Assume you file an extension? QPLO only

In QPLO mode, the rollover window is modeled to the filing deadline for the offset year. If the offset fails QPLO status, this tool automatically falls back to the 60-day window.

Job separation / severance date

First missed payment date (optional)

Offset date input mode

Estimated offset lag from separation (months)

Tax Outcome Estimator (If You Miss the Deadline)

Simple estimate only: tax = loan offset × marginal rate, plus optional 10% additional tax if under 59½.

Loan offset amount

Marginal tax rate (%)

Under age 59½ during offset year?

Include 10% additional tax?

Practical reminder

The extended QPLO rollover period is powerful, but the offset still has to qualify. For a severance-based QPLO, this tool requires the offset to occur by the first anniversary of the separation date. Plans vary, so confirm timing with the plan administrator.

Results

Offset Date

—

1099-R Tax Year

—

QPLO Qualification Status

—

QPLO 12-Month Cutoff

—

Rollover / Fix Deadline

—

Applied Rule

—

Runway: Separation → Deadline

—

Runway: First Miss → Deadline

—

Tax Outcome (If Deadline Missed)

Estimated income tax

—

Estimated 10% additional tax

—

Estimated total cost

—

Estimated net retained

—