Gross Distribution Calculator

Determine the pre-tax distribution needed to net a specific after-tax amount.

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Distribution Details

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The early withdrawal penalty is typically 10% for distributions before age 59½ from retirement accounts.

Distribution Breakdown

Gross Distribution Required$68,493
Federal Tax Withheld$15,068
State Tax Withheld$3,425
Early Withdrawal Penalty$0
Total Withheld$18,493
How it works›

Model and assumptions. Divides the desired after-tax distribution by one minus the entered tax rate. It treats that rate as applying to the full withdrawal, without progressive brackets, basis recovery, credits or early-withdrawal penalties.OpenStax: time value of moneyOpenStax: annuity formulas