About 401kPenalty

401kPenalty is a small set of free calculators built to answer one practical question: if I pull money out of my 401(k) early, what do I actually keep after the 10% penalty and income tax? All math runs locally in your browser — nothing is uploaded or stored.

The figures use the standard penalty and income-tax formulas (IRC §72(t) and 2026 federal and state rates). They are educational illustrations, not personalized advice.