72t SEPP Calculator

Calculate Substantially Equal Periodic Payments for early IRA withdrawals.

👴

72t SEPP

Enter your IRA balance, age, and payment method.

Annual SEPP withdrawal
$0
Monthly: $0

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
IRA balance ($)$500,000
Your age50
Interest rate (applicable federal rate) (%)5%
Life expectancy tableUniform lifetime
ResultValue
Annual SEPP withdrawal$30,156

Values shown are produced by this page in your browser; change any input to update them.

How to use the 72t SEPP

  1. IRA balance ($) — default $500,000
  2. Your age — default 50
  3. Interest rate (applicable federal rate) (%) — default 5%
  4. Life expectancy table — default Uniform lifetime
  5. Press Calculate to update the results instantly.

Frequently asked questions

Sources & references