72(t) SEPP Period Calculator

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72(t) Detailed SEPP Period

Calculate your annual Substantially Equal Periodic Payment and the minimum duration you must continue it.

Inputs

Account balance ($)

Age at first distribution

Life expectancy (years)

Interest rate (% — up to 120% midterm, min 5%)

Results

Annual SEPP (amortization)

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Monthly SEPP

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Minimum duration (years)

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End age for payments

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Total minimum distributions

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Per SECURE 2.0, the SEPP interest rate is limited to the greater of 5% or 120% of the federal midterm rate. Payments must continue for the LATER of 5 years or until age 59½. Stopping early triggers a retroactive 10% penalty plus interest.