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401(k) rollover withholding: $50,000 paid out = $10,000 (20%)

IRC 3405(c) 20% mandatory withholding when an eligible rollover is paid to you. Direct rollover withholds $0.

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Federal withholding (20%)

$10,000.00

Check to you

$40,000.00

Cash to add for a full 60-day rollover

$10,000.00

IRC 3405(c): 20% if paid to you; $0 if sent to another plan/IRA. 60-day rollover still needs the withheld 20% from other funds. Educational estimate, not tax advice.

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401(k) 20% rollover withholding

If a plan pays an eligible rollover distribution to you instead of another trustee, IRC 3405(c) requires 20% federal withholding.

Withholding

Withheld = distribution × 20% (or $0 if direct rollover)

Example: $50,000 paid to you → $10,000 withheld, $40,000 check. To complete a 60-day rollover of the full $50,000 you add $10,000 from other funds.

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

Educational estimate, not tax advice.