💸 Calculator

Early Withdrawal Calculator

Cashing out your 401(k) before 59½ triggers a 10% IRS penalty on top of income taxes. Find out how much you'd actually walk away with.

Account Balance

Your Age Under 59½? The 10% penalty applies.

Federal Marginal Tax Bracket Not sure? Use 22% — it's the most common bracket.

State

Gross withdrawal —

Early withdrawal penalty (10%) —

Federal income tax —

State income tax —

You actually receive —

Effective loss —

See how much rolling over could be worth instead → Growth Projector

Estimates only. Withdrawal may push you into a higher bracket. Consult a tax professional. Certain hardship exemptions may waive the 10% penalty.