401k Tax Calculator Withdrawal
Use this free 401k tax calculator withdrawal to estimate the federal tax, penalty and take-home from a 401k withdrawal.
Tax estimate notice: This result is an estimate, not a tax filing or official determination. Tax rules and thresholds change by year and jurisdiction. Verify current rules with the relevant tax authority or a qualified tax professional.
How the 401k tax calculator withdrawal works
The withdrawal is added to your other income. Tax = tax on (income + withdrawal) − tax on income, using 2026 federal brackets. Before age 59½ a 10% early-withdrawal penalty usually applies.
Frequently asked questions
Is there a penalty?
Usually 10% before age 59½, unless an exception applies. Mandatory withholding is often 20%, which may not equal your real tax.
Results are estimates for general information only. They are not a substitute for professional advice where applicable. Found a mistake? Report an error.