Tax & Payroll
401(k) Early Withdrawal Penalty Calculator (IRC §72(t))
See how much of an early 401(k) withdrawal you keep after income tax, state tax and the 10% penalty.
Preparing your result…
What this calculator does
Shows net cash from an early 401(k) withdrawal.
What your result means
Amount kept after tax and penalty.
Formula
Penalty = 10% × amount (unless an exception applies); cash kept = amount − federal tax − state tax − penalty
The step-by-step working for your own numbers appears with the result above and in the PDF report.
Frequently asked questions
Symbols and assumptions
- A
- Withdrawal
- • Flat marginal rates.
Sources and review
Reviewed 2026-09-23 · Next review 2027-01-15
- • Bracket creep not modelled.
- • Rules change annually.
- • Educational estimate, not tax advice.
Important limitation
This is an educational estimate based only on the values and formula shown. Verify current rates, rules, units, and professional standards before relying on the result. It is not personalized financial or investment advice.
Report a mistake or request an improvement
Tell us if a formula, unit, explanation, or result needs attention. Your message will include this calculator’s name and page.
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