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72(t) Distribution Calculator
Calculate penalty-free early IRA distributions using the 72(t) SEPP method.
About This Calculator
IRS Section 72(t) allows penalty-free withdrawals from IRAs before age 59½ using Substantially Equal Periodic Payments (SEPP). Payments must continue for the longer of 5 years or until age 59½ — stopping early triggers a 10% penalty on all prior distributions plus interest. The amortization method typically yields the highest annual payment and is calculated using an IRS-approved interest rate.