#401k
Related posts · 6 posts
IRA Early Withdrawal Penalty Calculator — IRS: 10% Additional Tax Before 59½, 25% SIMPLE IRA, 23 Exceptions
The IRS adds a 10% tax on the taxable part of IRA and 401(k) withdrawals before 59½, on top of income tax, and 25% from a SIMPLE IRA in the first 2 years. The 23 exceptions differ by account: separation at 55 is plans only, the $10,000 first home is IRAs only.
401(k) Loan Limit Calculator — IRS: Lesser of 50% of Vested Balance or $50,000, $10,000 Exception, 5-Year Repayment
The IRS caps a 401(k) loan at the lesser of 50% of the vested balance or $50,000, and a plan may allow up to $10,000 when 50% is less. Repayment is within 5 years, at least quarterly.
US Required Minimum Distributions — From Age 73, First Due by 1 April of the Next Year, 25% if Missed or 10% Once Corrected
A traditional IRA or 401(k) requires a minimum withdrawal each year from age 73. The first is due by 1 April of the following year and later ones by 31 December; a shortfall draws a 25% excise tax, 10% if corrected within 2 years. Roth IRAs have no lifetime requirement.
401(k) vs Roth IRA — 2026 Limits and Income Bands, Read Off the IRS Pages
We opened five IRS pages to pin down the 2026 numbers — and found two of them contradicting each other.
US Paycheck Calculator — How $80,000 Becomes $61,643 (2026)
On $80,000 in California filing single, $2,371 lands every two weeks. Here is each of the four layers.
The US 401(k) Explained: Limits, Match, Roth vs Traditional (2026)
The employer match is an instant 100% return. 2026 limit $24,500, Traditional vs Roth, rollovers.