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Gross Distribution Calculator

Enter the amount you need for 2026

$

The spendable amount you need from a traditional 401(k), 403(b) or IRA this year.

$

Wages, pensions, interest, other withdrawals and the taxable part of Social Security, before the standard deduction. The withdrawal is taxed on top of this income.

%

A flat rate on the withdrawal. Use 0 if your state does not tax retirement withdrawals.

More options
%

Plans withhold 20% on most 401(k) payouts; IRAs default to 10% unless you choose another rate. Withholding changes when you pay, not how much tax you owe.

$

Your 2026 gross distribution

Withdraw this much

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Total tax and penalty

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Effective rate on the withdrawal

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Gross withdrawal–
Extra federal income tax–
State income tax–
Early-withdrawal penalty–
Withdrawal fee–
You keep–
Federal bracket before / after–

Uses 2026 federal brackets and standard deductions. Does not model extra Social Security becoming taxable, Medicare IRMAA surcharges or credits that phase out with income.

Gross withdrawal for other after-tax amounts

Same filing status, other income and state rate. Larger withdrawals reach higher brackets, so each extra dollar costs more.

You keepWithdrawTax and penaltyEffective rateTop federal bracket

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

Find how much to withdraw from a traditional 401(k) or IRA so you keep the amount you need, with the withdrawal taxed on top of your other 2026 income at the actual federal brackets. Next, open the life expectancy calculator and enter your own details to see an estimate in seconds.