if when the taxable portion is added to your other income the total doesn't exceed $168,000, 22% in taxes between 168k and 321k 24% + the 10% penalties and as i said there may be state income taxes.
put another way you'll end up with about 66% to 68%, but even less if state taxes apply.
since I know nothing about your actual tax situation, this should only be use as a rough guide
you could try TT taxcaster, some items are based on 2018, but this might still give you a better estimate
https://turbotax.intuit.com/tax-tools?priorityCode=1923900000&PID=2278782&cid=all_cjtto-2278782_int&...
