learn.howToCalculate
learn.whatIsHeading
A distribution of retirement savings across different accounts and tax treatments under IRS Rule 72(t).
Formel
Substantially Equal Periodic Payment (SEPP) = Account Balance / Life Expectancy Factor
Trin-for-trin guide
- 1Calculate your current retirement account balance
- 2Determine your life expectancy factor using IRS tables
- 3Divide the balance by the factor to get your annual payment amount
- 4Ensure payments are taken for at least 5 years or until age 59.5
Løste eksempler
Input
Balance: $500,000, Life Expectancy: 25 years
Resultat
$20,000 annual SEPP
Allows penalty-free withdrawal before age 59.5
Almindelige fejl at undgå
- ✕Not following the 5-year rule
- ✕Stopping payments prematurely
Klar til at beregne? Prøv den gratis SEPP 72(t) Distribution-beregner
Prøv det selv →