QDRO Calculator

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

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.