401(k) Early Distribution Additional Tax Calculator
IRC §72(t) / Topic 558: a 10% additional tax usually applies to taxable 401(k) distributions before age 59½. This is on top of ordinary income tax.
Additional tax
if age < 59.5 → additional tax = 10% × distribution
else → $0
Worked example
$10,000 at age 45 → $1,000. Same amount at 59.5 → $0.
Related: 401(k) deferral limit, paycheck.
Not tax advice
Exceptions (rule of 55, etc.) are out of scope. Ordinary income tax is not calculated here.
Official sources
No. It is additional.
This version estimates $0 of the 10% tax.
Yes in the Code. Not modeled here.