Company Marketcap

457(b) Withdrawal Calculator

Plan your 457(b) withdrawals

2026 federal tax brackets

$

Pre-tax money in a governmental plan you have left.

yrs

Age you reach in 2026.

$

Before tax, taken at the start of each year.

%
%

Raises the withdrawal, other income and tax brackets for inflation.

$

Pension, wages, taxable Social Security and interest, per year.

%

Flat rate on the withdrawal. Use 0 if your state doesn’t tax it.

More options
yrs

Used to find a withdrawal that lasts exactly that long.

Your results

Money lasts until

–

First-year withdrawal after tax

–

Federal tax on it

–

State tax on it

–

First year in detail

Effective tax rate on the withdrawal–
Top federal bracket it reaches–
10% early withdrawal tax–
Withdrawal that lasts to your chosen age–
Total withdrawn–
Total federal and state tax–

Federal tax is the extra tax the withdrawal adds on top of your other income, using the standard deduction. Roth money and state rules aren’t modeled.

Withdrawal schedule

Each year’s withdrawal, the tax it adds and the balance left, until the money runs out or age 110.

YearAgeWithdrawalFederal taxState taxAfter taxEnding balance

Results are estimates for educational purposes and are not financial, tax or legal advice.

Work out the tax on each year’s withdrawal from a governmental 457(b) after you leave your job, at any age, and how long the balance lasts at your withdrawal rate. Pair this with the 401k calculator online for a fuller picture before you make a decision.