72(t) SEPP Calculator
Estimate your 72(t) SEPP distributions using all three IRS-approved methods: life expectancy, amortization, and annuitization. Compare annual payouts to find the best option for penalty-free early withdrawals before age 59½.
Inputs
$
%
Max 120% of mid-term AFR
Results
Life Expectancy (Annual)
$14,620
Amortization (Annual)
$28,918
Annuitization (Annual)
$28,918
Amortization (Monthly)
$2,410
Annual Distribution by Method
Cumulative Distributions Over Time
Year-by-Year Comparison
| Year | Age | Life Expect. | Amortization | Annuitization |
|---|---|---|---|---|
| 1 | 50 | $14,620.00 | $28,918.00 | $28,918.00 |
| 2 | 51 | $15,252.00 | $28,918.00 | $28,918.00 |
| 3 | 52 | $15,959.00 | $28,918.00 | $28,918.00 |
| 4 | 53 | $16,647.00 | $28,918.00 | $28,918.00 |
| 5 | 54 | $17,364.00 | $28,918.00 | $28,918.00 |
| 6 | 55 | $18,110.00 | $28,918.00 | $28,918.00 |
| 7 | 56 | $18,888.00 | $28,918.00 | $28,918.00 |
| 8 | 57 | $19,627.00 | $28,918.00 | $28,918.00 |
| 9 | 58 | $20,467.00 | $28,918.00 | $28,918.00 |
| 10 | 59 | $21,341.00 | $28,918.00 | $28,918.00 |