US Tax Tools

Form 1099-R Box 7a

Code 1: Early distribution, no known exception

The payer believes the recipient was under age 59½ and does not know of an exception.

Usual federal tax treatment

The taxable amount is generally ordinary income and may also face the 10% additional tax.

What to do next

Enter the distribution on Form 1040 and use Form 5329 if you claim an exception the payer did not know about.

Estimate this distribution

Enter Box 1, Box 2a, Box 4, your age, other income, and code 1 to estimate taxable income and possible additional tax.

Open the 1099-R calculator

Sources

Related Calculators

Last updated July 29, 2026 Tax year 2026

Data sources: IRS 2026 Instructions for Forms 1099-R and 5498

This tool is general information only, not financial advice.

Reviewed by USTax Tools Editorial Desk

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