Early Withdrawal Cost Calculator

Disclaimer: Estimates only. For a pre-tax account (traditional IRA/401(k)): applies the 10% additional tax for owners under age 59½ plus ordinary income tax. Total cost compares the after-tax value the money would have had at retirement (taxed at the same rate, no penalty) with the net cash you receive today. Exceptions exist (e.g. first home for IRAs, higher education, disability, separation from service at 55+ for 401(k)s). Consult a tax professional.