401k Withdrawal Penalty — California
California 401k early withdrawal calculator: add California state income tax on top of the 10% federal penalty and federal tax.
Penalty, tax, and net-payout figures are worked out on your device — your 401(k) balance and tax details never leave the page.Try: Withdrawal amount=10000, Current age=50, Federal tax rate=22, State tax rate=0.0933, Exemption=none, Expected annual return=7, Years left to grow=15 → $10,000, -$2,200, -$9, -$1,000, $6,791, $17,590
How to use
California taxes 401(k) withdrawals as ordinary income at rates up to about 9.33% (2026). That stacks on top of federal income tax and the 10% early-withdrawal penalty. This tool pre-fills the California rate so you see the combined bite — the highest state layer among major states.
FAQ
Do states add their own penalty?
States do not add a 10% penalty, but most tax 401(k) withdrawals as ordinary income on top of federal tax. In a state with a 10% income tax, a withdrawal is hit twice — by the IRS penalty and by state income tax.
Which states have no income tax on 401(k) withdrawals?
States with no state income tax include Texas, Florida, Nevada, Washington, and a few others. There you owe only the 10% federal penalty (if under 59½) and federal income tax — no state layer.
Why does my state matter for the calculator?
Because your net take-home depends on the combined bite. Entering your state rate shows the real after-tax amount instead of just the federal picture.