401(k) Withdrawal Calculator
Calculate taxes, penalties, and your net payout for any 401(k) or IRA withdrawal
401(k) withdrawals before age 59 1/2 are subject to income taxes plus a 10% early withdrawal penalty. Our calculator shows your exact federal tax, state tax, penalty, and net amount after all deductions.
Key Withdrawal Rules
- Age 59 1/2+: No early withdrawal penalty, just income taxes
- Under 59 1/2: Income taxes plus 10% penalty (with exceptions)
- 20% withholding: Plans must withhold 20% for federal taxes upfront