Retirement Plan Withdrawal Calculator

See how much of each withdrawal from a 401(k), 403(b) or traditional IRA you keep after 2026 federal and state tax, and when required minimum distributions force larger withdrawals. If you want to see how the figures change, the life expectancy calculator gives you an instant result you can adjust as you go.

Enter your plan and withdrawals

Your year of birth

Sets your age, the early-withdrawal penalty and your RMD start age.

Plan balance on Dec. 31, 2025

Planned withdrawal in 2026

$/yr

Before tax. If an RMD is larger, the RMD is withdrawn instead.

Yearly increase

Raises the withdrawal and your other income each year. Tax brackets rise at the same rate.

Filing status

Other taxable income in 2026

$/yr

Pensions, wages, interest and the taxable part of Social Security. Withdrawals are taxed on top of this income.

Annual return

State income tax rate

More options

Spouse's year of birth

Married filing jointly only: adds your spouse's 65-and-older deductions.

Project until age

yrs

Your 2026 withdrawal

You keep after tax

–

Tax on the withdrawal

–

First RMD

–

Your age at the end of 2026–

Withdrawal in 2026–

Required minimum distribution in 2026–

Federal income tax on it–

State income tax on it–

10% early-withdrawal penalty–

Federal bracket with the withdrawal–

Total withdrawn / total tax–

2026 federal brackets and deductions, indexed by your yearly increase in later years. RMDs use the IRS Uniform Lifetime Table; a spouse more than 10 years younger who is your sole beneficiary would lower them.

Year-by-year withdrawals, RMDs and tax

Each year's RMD is the prior year-end balance divided by the IRS distribution period. The withdrawal is the larger of your plan and the RMD, and the rest earns your return.

Year	Age	Start balance	RMD	Withdrawal	Federal tax	State tax and penalty	You keep	End balance

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