Calculate Substantially Equal Periodic Payments (SEPP) under IRC 72(t) to access IRA funds before age 59½ without the 10% early withdrawal penalty. Three IRS-approved methods: amortization, annuitization, RMD.
Enter the values for the scenario you are assessing. Calculate Substantially Equal Periodic Payments (SEPP) under IRC 72(t) to access IRA funds before age 59½ without the 10% early withdrawal penalty. Three IRS-approved methods: amortization, annuitization, RMD. Use the 72(t) sepp result to inform your calculation.