Calculator · 401(k)s & IRAs

401(k) split with gains and losses

The account keeps moving between the valuation date and the day the plan actually pays. See what each side gets when the split is adjusted for market gains or losses.

The account

Balance on the valuation date ($)Often the date of separation or filing Outstanding 401(k) loan ($)Excluded from the split; stays with the participant — why this matters Market change since valuation date (%)Negative for a down market Spouse's share of marital balance (%)50% is the usual starting point

Why this matters: if the QDRO is silent on gains and losses, many plans pay a flat dollar amount as of the transfer date — the receiving spouse eats the market move, up or down. Say it in the order either way.

Read alongside

401(k) loans and your QDRO share QDROs: the full guide Model QDRO language: the defaults to check What a QDRO costs