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Audit your 401(k) rollover risk in 90 seconds

Enter your distribution date, age, balance band, and answer 5 quick questions. See your IRS deadline + your dollar-stakes-at-risk + the specific mistakes that trip real rollovers.

Distribution date

Age

Balance

State

Risk diagnostic

Did the distribution check come to you, or to the destination custodian?

Is your destination IRA already open?

Are you converting to a Roth IRA?

Transfer method

If you took a personal check, have you already deposited it?

Complete every field above to enable the audit.

Want a personalized plan?

This calculator gives you the deadline. The full personalized plan ($49) gives you custodian-specific transfer instructions, day-by-day checklist, AMT modeling, and a downloadable PDF + Word doc.

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Educational only — confirm the exact deadline with your custodian and the IRS. This calculator uses the standard IRS 60-day rule under IRC §402(c)(3).