A single filer with no other income owes $13,170 of federal income tax on a $100,000 traditional IRA withdrawal in 2026 — an effective rate of 13.2%, because the $16,100 standard deduction comes off first and only the top of the withdrawal reaches the 22% bracket. The same withdrawal on a joint return with no other income costs $7,640. Stack it on $60,000 of other income and the single filer's bill rises to $22,114.
Tax on a $100,000 withdrawal by filing status and other income (2026)
| Filing status | Other income | Federal tax on the $100,000 | Effective rate | Top bracket reached |
|---|---|---|---|---|
| Single | $0 | $13,170 | 13.2% | 22% |
| Single | $30,000 | $18,514 | 18.5% | 24% |
| Single | $60,000 | $22,114 | 22.1% | 24% |
| Married filing jointly | $0 | $7,640 | 7.6% | 12% |
| Married filing jointly | $30,000 | $11,240 | 11.2% | 12% |
| Married filing jointly | $60,000 | $14,700 | 14.7% | 22% |
The withdrawal is ordinary income, so it stacks on top of everything else on the return — the first dollars land in whatever bracket your other income already reached. A traditional IRA withdrawal and a Roth conversion of the same size are taxed identically; only the destination of the money differs.
These are federal figures for a filer under 65 taking the standard deduction. State income tax, the age-65 deduction additions, Social Security taxability, and the Medicare surcharge lookback are all separate layers on top.
Methodology
Computed with conversionTax() — the parity-tested incremental-ordinary-income function in QuantCalc's federal-tax module — which nets the 2026 standard deduction against total income and takes the difference in bracket tax with and without the withdrawal. Brackets are ORDINARY_BRACKETS from the canonical tax-constants mirror. See the 2026 federal tax bracket dataset.
Every figure on this page is computed at build time from QuantCalc's parity-tested calculation modules or a committed dataset — never hand-entered. Reference for research and planning only; not tax, legal, or investment advice.
Model this for your own numbers
The free QuantCalc calculator runs your actual balances, income, and filing status through the same parity-tested engine.
Open the free calculator →Planning conversions across several years? See the Roth Conversion Planner.
Changelog
- v2026.1 — first publication. Figures computed from the 2026 tax-constants mirror and committed datasets.
Cite this dataset
QuantCalc Research (2026). How much federal tax will I pay on a $100,000 IRA withdrawal in 2026?. https://quantcalc.app/answers/tax-on-100k-ira-withdrawal/ (accessed <date>).
BibTeX
@misc{quantcalc2026howmuchfederaltaxwillipayona100000irawit,
title = {How much federal tax will I pay on a $100,000 IRA withdrawal in 2026?},
author = {{QuantCalc Research}},
year = {2026},
url = {https://quantcalc.app/answers/tax-on-100k-ira-withdrawal/},
note = {Accessed <date>}
}Machine-readable citation metadata (schema.org identifier and citation fields) is embedded in this page's JSON-LD, at the stable identifier https://quantcalc.app/answers/tax-on-100k-ira-withdrawal/.