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New Member
posted Jun 3, 2019 4:29:44 PM

How do we pay state income tax on a large 401k withdrawal so that we do not incur a penalty next year?

We took a very large sum out of a retirement account.  They withheld 20% for federal income taxes.  How do we pay state income tax so there will not be a penalty for a large amount due on 4-15-20?  And how do we know the amount?

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1 Best answer
New Member
Jun 3, 2019 4:29:49 PM

You just need to make an estimated tax payment to Indiana. It's basically the amount of the distribution multiplied by 3.23% (Indiana tax rate).

Here's the link to the estimated tax form.

https://www.in.gov/dor/files/46005-2018.pdf

6 Replies
New Member
Jun 3, 2019 4:29:46 PM

What state?

New Member
Jun 3, 2019 4:29:48 PM

Indiana

New Member
Jun 3, 2019 4:29:49 PM

You just need to make an estimated tax payment to Indiana. It's basically the amount of the distribution multiplied by 3.23% (Indiana tax rate).

Here's the link to the estimated tax form.

https://www.in.gov/dor/files/46005-2018.pdf

New Member
Jun 3, 2019 4:29:51 PM

Is there a penalty for underpayment on federal taxes as well?  Is there a form I can use?

Level 15
Jun 3, 2019 4:29:52 PM

You can send in some more to the IRS using 1040ES.  Here are the blank estimate forms and instructions for federal.  You need to go to your state's website to get theirs.
<a rel="nofollow" target="_blank" href="https://www.irs.gov/pub/irs-pdf/f1040es.pdf">https://www.irs.gov/pub/irs-pdf/f1040es.pdf</a>

Or you can pay directly on the IRS website <a rel="nofollow" target="_blank" href="https://www.irs.gov/payments">https://www.irs.gov/payments</a>
Be sure to pick the right kind of payment and year.....2019 Estimate

Level 15
Jun 3, 2019 4:29:54 PM

Which spouse took it out?  Were they under 591/2?  Or stopped working at that job?  If you are under 59 1/2 there is a 10% Early Withdrawal Penalty.  By the way you can replace it within 60 days and avoid the tax.