Free resources / U.S. retirement
How could withdrawals change your retirement taxes?
Compare a taxable retirement-account withdrawal with taking no additional withdrawal. See the effect on federal income tax and the taxable portion of Social Security.
Compare your scenario ↓01 / Your situation
Compare your numbers.
Annual figures in U.S. dollars. Replace the examples with your own. Federal tax only.
Annual net benefits from SSA-1099 Box 5, before tax withholding. Include both spouses for a joint return. Current-year benefits only.
Taxable pensions, wages, interest and existing taxable IRA withdrawals, after applicable income adjustments. Exclude Social Security, tax-exempt interest and the extra withdrawal below.
A traditional IRA/401(k) withdrawal above those already entered. Not a qualified Roth withdrawal, annuity quote or recommendation to withdraw. Any early-distribution penalty is excluded.
Using $32,200 in deductions and $0 in tax-exempt interest. The default deduction excludes age-related additions; adjust it to match your return.
02 / Federal comparison
What changes in your scenario
- Estimated additional federal income tax
- $4,088
- Withdrawal remaining after modeled federal tax increase
- $15,912
- Social Security included in taxable income — before
- $9,400
- Social Security included in taxable income — after
- $26,400
- Federal income tax — before withdrawal
- $720
- Federal income tax — after withdrawal
- $4,808
20.4% of this withdrawal goes to the modeled federal tax increase. This can differ from your bracket because more Social Security may become taxable. State tax, Medicare premium changes and penalties are excluded.
2026 federal estimate · Figures rounded for display
State and local taxes are not included.
What this comparison includes
Federal illustration for single or married-filing-jointly households using 2026 ordinary-income brackets and the current Social Security taxable-benefit worksheet. Up to 85% taxable means included in taxable income, not an 85% tax rate. Deductions are user-entered and held constant. Excludes state tax, Medicare premium changes/IRMAA, capital gains, qualified dividends, AMT, credits, benefit repayments, prior-year lump sums, foreign exclusions, IRA deduction interactions, penalties and required-minimum-distribution calculations. Social Security and income figures are annual. Any extra tax is a consequence of the modeled withdrawal, not evidence of overpayment.
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Sources and calculation scope
Reviewed September 22, 2026. The Social Security worksheet is the latest available IRS publication; the ordinary-income brackets are for 2026.