---
title: "Retrieve withholding defaults"
method: GET
path: "/withholding-defaults"
tags: ["Withholding Defaults"]
---

# Retrieve withholding defaults

`GET /withholding-defaults`

## Request

- Base URL: `https://bo-api.drivewealth.io/back-office`
- URL: `https://bo-api.drivewealth.io/back-office/withholding-defaults`
- Auth: HTTP bearer

Retrieves the federal and state-specific default withholding percentages applied to retirement distributions for a given tax year.

These are the rates DriveWealth applies when a distribution request carries no withholding election of its own. This endpoint is a read-only reference lookup — calling it does not create, set, or change a withholding election for any client, and the values returned are not scoped to an individual. To submit an election, set it on the distribution request itself.

## Query parameters

- `taxYear` integer
- `state` string

## Response `200`

Retrieving withholding defaults was successful.

- WithholdingDefaultsResponse: Federal and state-specific default withholding percentages for retirement distributions in a given tax year.
  - `taxYear` integer: The tax year the returned defaults apply to.
  - `federalDefaultPercentage` number: The default federal withholding rate, expressed as a decimal fraction.
  - `stateSpecificItems` StateWithholdingItem[]: One entry per state. Returns a single entry when the state parameter is supplied.
    - `state` string: Two-letter U.S. state code.
    - `stateDefaultPercentage` number: The default state withholding rate, expressed as a decimal fraction.
    - `isWithholdingMandatory` boolean: Whether the state requires withholding on retirement distributions. When true, the election cannot be waived.

## Other responses

- `400`: Bad Request

---

[API](https://skmtc.dev/drivewealth/apis/money-movement-apis.md) - [All operations](https://skmtc.dev/drivewealth/apis/money-movement-apis/llms.txt) - [OpenAPI document](https://skmtc.dev/drivewealth/apis/money-movement-apis/revisions/c94fbd154054?raw)