Updated 2026-03-30

QDRO Calculator

Calculate how a Qualified Domestic Relations Order divides your 401(k)

A QDRO is a court order that divides 401(k) assets during divorce. Only the marital portion (contributions and growth during the marriage) is typically divided. The alternate payee can roll their share into an IRA or take a distribution without the 10% early withdrawal penalty.

QDRO Distribution Options

Rollover to IRA: Tax-deferred, most common choice
Cash distribution: Income tax applies, but no 10% penalty
Leave in plan: Some plans allow alternate payee to remain

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-30