Updated 2026-03-30

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

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