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Audit your 401(k) rollover risk in 90 seconds

See what you'd lose if you miss the deadline — in dollars, for your balance, age, and state. Takes 90 seconds, no signup required.

Distribution date

The day the money left your 401(k). Your countdown appears the moment you enter it.

Age

Balance

State

Risk diagnostic — optional

Each answer switches on another check. If you don't know one yet, pick Not sure — we'll skip that check and tell you what's still unanswered rather than guessing.

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?

Enter your distribution date above to start the countdown — nothing else is required.

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, Roth-conversion tax modeling, and a downloadable PDF + Word doc.

Start my free preview

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).