Standard 401K withdrawal

smconant — Wed, 22 Oct 2025 16:32:51 GMT

I will be receiving SS next Feb when I am 65. I have a standard 401K with balance of $100,000. How will my taxes be affected should I take a partial withdrawals?

Re: Standard 401K withdrawal

VolvoGirl — Wed, 22 Oct 2025 16:38:19 GMT

The 401k withdrawal will be added to your total income and taxed at your regular tax rate (and may push you into a higher tax bracket).

For SS....

Up to 85% of Social Security becomes taxable when all your other income plus 1/2 your social security, reaches:

Married Filing Jointly: $32,000

Single or head of household: $25,000

Married Filing Separately: 0

Re: Standard 401K withdrawal

dev145 — Wed, 22 Oct 2025 16:43:19 GMT

Generally social security alone is not a taxable income but if you have other sources of income i.e. wages, pension and other retirement income, interest or dividends etc. up to 85% of your social security may be taxable depending on the total income and filing status.

Your benefits may be taxable if the total of (1) one-half of your benefits, plus (2) all of your other income, including tax-exempt interest, is greater than the base amount for your filing status.

The base amount for your filing status is:

$25,000 if you're single, head of household, or qualifying surviving spouse,
$25,000 if you're married filing separately and lived apart from your spouse for the entire year,
$32,000 if you're married filing jointly,
$0 if you're married filing separately and lived with your spouse at any time during the tax year.

https://www.irs.gov/faqs/social-security-income#:~:text=Your%20benefits%20may,the%20tax%20year.

So in short , your other income and half of social security benefits will determine your tax rate.

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topic Standard 401K withdrawal in Retirement tax questions

Standard 401K withdrawal

Re: Standard 401K withdrawal

Re: Standard 401K withdrawal