Calculator · QDROs

QDRO cash-out taxes

Money paid to you under a QDRO can be cashed out once without the 10% early-withdrawal penalty. Compare taking the cash now, cashing out after a rollover, and leaving it invested.

Your award

Amount awarded under the QDRO ($) Marginal tax rate, fed + state (%)A large lump sum can push you into a higher bracket Your age Expected annual return if invested (%)

1 · Cash out now, straight from the plan

Ordinary income tax, no 10% penalty — the QDRO exemption

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2 · Roll to an IRA, then withdraw early

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3 · Roll over and leave it until 59½

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Read alongside

The QDRO tax treatment, explained QDROs: the full guide Calculator: 401(k) split