401(k) Penalty Estimator
Calculate the cost of early access
ESTIMATED CASH IN HAND
$0
Federal Income Tax:
IRS Early Penalty (10%):
State Income Tax:
Total Lost to Taxes/Fees:
Cashing out your retirement early is expensive, but sometimes life leaves no other choice.
If you’re looking for ways to bridge a financial gap without touching your 401(k), use our DTI Ratio Tool to see if you qualify for a lower-interest personal loan instead, or explore the Debt Snowball vs. Avalanche Tool to free up monthly cash flow.