401(k) Early Withdrawal Calculator
Advanced penalty, tax and opportunity cost estimator - 2026 brackets + SECURE 2.0
Withdrawal Details
Withdrawal Amount ($)
Your Age
Account Type
Traditional 401(k)
Roth 401(k) - earnings only
Roth 401(k) - contributions only
Other Annual Income ($)
Filing Status
Single
Married Filing Jointly
Head of Household
State Tax
No state tax (FL, TX, WA, NV, WY, TN, AK, SD)
IL and PA - retirement income exempt
AZ - 2.5%
CO - 4.4%
GA - 3%
IN - 3.23%
KS - 3.5%
MA - 5%
MI - 4.25%
MN - 5.35%
MO - 5%
NE - 5.84%
NJ - 6%
NM - 5.9%
NY - 6.85%
NC - 5.25%
OH - 4%
OK - 5%
OR - 4.75%
SC - 3.07%
UT - 4.65%
VA - 6.5%
WI - 6.5%
CA - 9.3% and above
Other - enter below
Custom State Tax Rate (%)
IRS Penalty Exceptions - Check All That Apply
Permanent Disability
Total and permanent disability
Substantially Equal Payments (72t)
Series of periodic payments
Medical Expenses over 7.5% AGI
Unreimbursed medical costs
Separation from Service at 55+
Left employer at or after age 55
QDRO and Divorce Order
Qualified domestic relations order
Federally Declared Disaster
Up to $22,000 - SECURE 2.0
Terminal Illness
Certified diagnosis - SECURE 2.0
Birth or Adoption
Up to $5,000 per child - SECURE 2.0
Opportunity Cost Settings
Expected Annual Return (%)
Years Until Retirement
CALCULATE MY WITHDRAWAL COST
Summary
You withdraw
You actually receive
Total lost
Effective loss rate
Gross withdrawal
10% early withdrawal penalty
Federal income tax
State income tax
Net amount received
Alternatives Comparison
For educational purposes only. Consult a qualified financial advisor before making withdrawal decisions. Based on 2026 federal tax brackets.