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New Member
posted May 31, 2019 5:06:28 PM

Does KY charge taxes on an early withdrawal from a 401k account? If so, does the turbotax software account for this when filing?

I cashed out my 401k early and want to know if my KY state tax penalty (if there is one) has been taken into account with my calculated refund. I included the info from my 1099-R form when I used the software and just want to make sure I don't owe any additional money to the state.

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Intuit Alumni
May 31, 2019 5:06:29 PM

I researched your question and could not find any information about KY imposing a tax penalty for early withdrawal from your 401(k).  The only penalty will be on your Federal return. 

Instead, the state may not be taxing the withdrawal at all.    There is a pension income exclusion on the KY state tax return which may exclude some or all of your distribution depending on the circumstance.  TurboTax will take care of the calculations for you on the state tax return.   

For more information, you can take a look at page 22 of the KY Income Tax Instruction Booklet.  Click here to open that document. 


1 Replies
Intuit Alumni
May 31, 2019 5:06:29 PM

I researched your question and could not find any information about KY imposing a tax penalty for early withdrawal from your 401(k).  The only penalty will be on your Federal return. 

Instead, the state may not be taxing the withdrawal at all.    There is a pension income exclusion on the KY state tax return which may exclude some or all of your distribution depending on the circumstance.  TurboTax will take care of the calculations for you on the state tax return.   

For more information, you can take a look at page 22 of the KY Income Tax Instruction Booklet.  Click here to open that document.