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Công cụ ước tính thuế phân phối hưu trí 1099-R

Ước tính thuế liên bang trên phân phối lương hưu, IRA và 401(k) Form 1099-R—100% riêng tư trong trình duyệt.

100% Private: 1099-R retirement estimates run entirely in your browser—nothing is uploaded.

1099-R distribution inputs

Enter boxes from your Form 1099-R. Results update as you type.

Retirement distributions are ordinary income—no self-employment tax. Federal tax uses approximate 2026 brackets after the standard deduction when the distribution is modeled alone. Code 1 can add a planning 10% early-distribution tax.

Estimated results

Taxable retirement income

$25,000

Estimated federal refund

$1,610

Effective tax rate

11.6%

Federal income tax

$890

Box 2a was empty—using Box 1 as the taxable amount for this estimate.

Federal tax withheld (Box 4)$2,500.00
Early withdrawal penalty (10%)$0.00
State tax (approx.)$2,000.00
Marginal federal rate10.0%
Estimated federal refund$1,610.00

Contractor pay on 1099-NEC? Try the 1099-NEC Tax Estimator

Marketplace / card payouts? Try the 1099-K Tax Estimator

Rents or royalties on 1099-MISC? Try the 1099-MISC Tax Estimator

Brokerage sales on 1099-B? Try the 1099-B Tax Estimator

Bank or Treasury interest on 1099-INT? Try the 1099-INT Interest Income Estimator

Unemployment or state refund on 1099-G? Try the 1099-G Unemployment Tax Estimator

Canceled debt on 1099-C? Try the 1099-C Cancellation of Debt Tax Estimator

Mixed freelance 1099 income? Try the general 1099 Freelance Tax Estimator

Frequently Asked Questions

What do Form 1099-R Boxes 1, 2a, and 4 mean?

Box 1 is the gross distribution (total paid from the plan or IRA). Box 2a is the taxable amount—if blank or marked “taxable amount not determined,” many people start with Box 1 and refine with their own basis records. Box 4 shows federal income tax already withheld. This tool uses Box 2a when you enter it; otherwise it falls back to Box 1.

What do common distribution codes mean?

Code 7 is a normal distribution (typically age 59½+). Code 1 is an early distribution with no known exception and often triggers an additional 10% tax. Code 2 is early with an exception. Codes 3 and 4 relate to disability and death. Codes G and H often indicate direct rollovers. Always match the code on your form; rules and exceptions are fact-specific.

When does the 10% early withdrawal penalty apply?

Distributions before age 59½ coded as early (often Code 1) may owe an additional 10% tax on the taxable amount, unless an IRS exception applies (for example certain medical, higher-education, or first-home exceptions for IRAs). This estimator can add that 10% when Code 1 is selected—turn the option off if an exception applies. It does not replace Form 5329 calculations.

Is a 1099-R distribution subject to self-employment tax?

No. Pension, IRA, and 401(k) distributions reported on Form 1099-R are not self-employment income. This tool applies ordinary federal income tax brackets (plus optional early-distribution tax) and never the 15.3% SE tax.

Is this official tax advice or are my figures uploaded?

No. This is a planning estimate using approximate 2026 federal brackets and average state rates. Calculations and PDF downloads run entirely in your browser—nothing is uploaded. Confirm with a CPA or tax software before filing.

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1099-R Retirement Distribution Tax Estimator: Pensions, IRAs & 401(k)s in 2026

Form 1099-R reports distributions from pensions, annuities, retirement or profit-sharing plans, IRAs, insurance contracts, and similar arrangements. Box 1 shows the gross distribution. Box 2a shows the taxable amount when the payer can determine it. Box 4 lists federal income tax withheld. The distribution code in Box 7 signals whether the payment is a normal distribution, early distribution, disability, death, rollover, or another category.

Retirement distributions are ordinary income for federal tax purposes and are not subject to self-employment tax. Early distributions (often Code 1) may also face an additional 10% tax unless an exception applies. Planning questions include how much of Box 1 is taxable, whether Box 4 withholding covers the federal bill, whether the early-distribution tax applies, and what approximate state tax may apply.

This estimator uses Box 2a when provided (otherwise Box 1), applies approximate 2026 ordinary brackets by filing status, optionally adds a 10% early-distribution tax for Code 1, estimates state tax with an average effective rate (0% in no-income-tax states), and nets Box 4 for federal tax due or refund. Pair it with the 1099-INT, 1099-G, 1099-B, and freelance 1099 tools when your year includes interest, unemployment, brokerage sales, or contractor income.

The free 1099-R Retirement Distribution Tax Estimator runs entirely in your browser with optional PDF download—no uploads and no account. Use it to sketch taxable retirement income, federal due or refund, early-penalty exposure, and effective rate before you file. It is an educational planning tool, not a substitute for professional advice or IRS e-file software.