# Tax-Free Retirement Plan for Couples

> Retirees can withdraw $60,000 yearly from 401(k) tax-free until Social Security starts at 70.
- Title: Tax-Free Retirement Plan for Couples · 24/7 Wall St.
- Summary: Retirees can withdraw $60,000 yearly from 401(k) tax-free until Social Security starts at 70. Retirees under 70 can take $60,000 yearly from 401(k) without…
- Keywords: 401k, social security, tax-free withdrawal, retirement plan, federal tax, couple, 2026, taxable income, Tax-Free, Retirement, Plan, Couples
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/10/15/the-60000-a-year-401k-withdrawal-plan-that-pays-zero-federal-tax-until-social-security-starts-at-70
- Author: Jake FitzGerald
- Published: 2026-10-15T19:55:59+00:00
- Read time: 1 min
- Topics: 401k, social security, tax-free withdrawal, retirement plan, federal tax, couple, 2026, 65, 70, taxable income
## Tax-Free Retirement Window
Retirees under 70 can take $60,000 yearly from 401(k) without federal tax until Social Security starts at 70.
## How the Plan Works
Retirees pull $47,500 from 401(k) and $12,500 from taxable brokerage accounts to stay tax-free.
## Tax Deductions in 2026
Joint filers get $32,200 standard deduction plus $1,650 per partner for senior deduction.
## Tax-Free Threshold
Long-term gains taxed at 0% until taxable income reaches $98,900 for joint filers.
## Tax Impact After Social Security
Social Security benefits become taxable once combined income exceeds $44,000.
## Roth Conversions
This window is the cheapest time to run Roth conversions for tax savings.
## Who Should Skip
Retirees with pensions, large taxable interest, or early Social Security claims face higher taxes.
## Senior Deduction Deadline
Senior deduction only applies to tax years before January 1, 2029.
## Key takeaway

Retirees under 70 can take $60,000 yearly from 401(k) without federal tax until Social Security begins at 70.