IRA Gross Withdrawal Calculator
Estimate the gross IRA withdrawal needed to receive a specific net amount after taxes and penalties.
Under age 59½?
Applies a fixed 10% IRS early withdrawal penalty (Traditional only).
Applies a fixed 10% IRS early withdrawal penalty (Traditional only).
Manually enter federal rate
Use a custom federal rate (%) instead of the bracket dropdown.
Use a custom federal rate (%) instead of the bracket dropdown.
Manually enter state rate
Use a custom state rate (%) instead of the state estimate.
Use a custom state rate (%) instead of the state estimate.
Manual rates: If you enable manual entry, the calculator will use your custom rate for that tax (federal and/or state) and ignore the dropdown/auto-filled value.
Tax Rate Disclosure:
Tax rates shown are estimates for educational purposes only and may change over time. Federal and state tax laws, rates, and individual circumstances can affect actual taxes owed. This calculator does not provide tax or legal advice.
Tax rates shown are estimates for educational purposes only and may change over time. Federal and state tax laws, rates, and individual circumstances can affect actual taxes owed. This calculator does not provide tax or legal advice.