When can I withdraw from my 401(k) without penalty?

RetirementWarren TeamPublished April 25, 2026

Quick answer

Penalty-free 401(k) withdrawals start at age 59½. The Rule of 55 allows penalty-free withdrawals at 55 if you separate from the employer that sponsors the plan.

Timeline of 401(k) withdrawal milestones from age 55 to 73.

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