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401(k) emergency withdrawal: $1,000 cap, $100 of 10% avoided

SECURE 2.0 emergency personal expense: up to $1,000 per year, no 10% early tax.

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Amount treated as emergency

$1,000.00

10% early tax avoided

$100.00

Over the $1,000 cap

$0.00

IRC 72(t)(2)(I): $1,000 once per year. Still ordinary income. Educational estimate, not tax advice.

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Emergency personal expense distribution

SECURE 2.0 / IRC 72(t)(2)(I) lets you take up to $1,000 once per calendar year from a 401(k) without the 10% early-distribution tax.

Emergency

Amount = min(requested, $1,000 − already taken this year)

Example: $1,000 requested → $1,000 emergency and $100 of 10% tax avoided. Still ordinary income.

Related: paycheck take-home, 401(k) remaining room.