How much tax do I pay on a 401(k) withdrawal?

RetirementWarren TeamPublished April 25, 2026

Quick answer

Withdrawals from a Traditional 401(k) are taxed as ordinary income at your marginal rate. Withdrawals before age 59½ also incur a 10% penalty unless you qualify for an exception.

401(k) withdrawal tax: federal bracket plus 10% penalty if under 59½.

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