72(t) Distribution Long-Term Impact

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72(t) Distribution Long-Term Impact

See how taking early 72(t) distributions affects your retirement balance at normal retirement age.

Inputs

Starting balance ($)

Current age

Normal retirement age

Annual 72(t) distribution ($)

Years of 72(t) distributions

Annual return (%)

Results

Balance at retirement (with 72(t))

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Balance at retirement (no early withdrawals)

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Cost of early withdrawals

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Total withdrawn

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Years to retirement

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Opportunity cost (growth lost)

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72(t) distributions must continue at least 5 years or until age 59½, whichever is later. Modifying them triggers 10% retroactive penalty. Amounts withdrawn are taxed as ordinary income.