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US retirement calculator
401(k)/IRA withdrawal tax including early-withdrawal penalty.
About this calculator
What it estimates
Federal income tax on a 401(k) or IRA withdrawal, plus the 10% early-withdrawal penalty where it applies.
Assumptions (US 2025 tax year rates)
- •The withdrawal is taxed on top of your other income at ordinary rates
- •10% additional tax if you are under 59½ and no exception applies
- •No state tax
Estimates only, for orientation. Rates and thresholds change each tax year and your actual liability depends on facts this tool does not ask for. This is not tax advice.
For US–UK filers
Why your real number differs
For UK residents the US–UK treaty generally gives the UK primary taxing rights over periodic pension payments, while lump sums are treated differently. Getting the treaty position and withholding right before you withdraw matters more than the headline rate.