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Retirement · Withdrawals & RMDs

72(t) SEPP Calculator

Estimate penalty-free early retirement withdrawals using 72(t) substantially equal periodic payments.

  • Free to use here · embed on the Business plan
  • 3 inputs · 5 results
  • English & Spanish

Try the 72(t) SEPP Calculator

See your 72(t) payment — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the 72(t) SEPP calculator works out

The 72(t) SEPP Calculator is a free, embeddable calculator from CalcFunnel. Estimate penalty-free early retirement withdrawals using 72(t) substantially equal periodic payments.

You enter 3 inputs: account balance, interest rate (%) and life expectancy (years).

It returns annual SEPP payment, monthly equivalent, account balance, interest rate used and life expectancy.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01Annual SEPP Payment
  2. 02Monthly Equivalent
  3. 03Account Balance
  4. 04Interest Rate Used
  5. 05Life Expectancy

The first figure — annual sepp payment — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Account Balance
The retirement account balance used for the SEPP calculation.
Interest Rate (%)
The interest rate used. Under IRS Notice 2022-6 it may be any rate up to the greater of 5% or 120% of the federal mid-term rate for either of the two months before the first payment.
Life Expectancy (years)
Your factor from the IRS Single Life Expectancy Table (2022+) for your age in the first distribution year — e.g. age 50 = 36.2, 55 = 31.6, 60 = 27.1.

For your website

Embed this calculator on your website

Put the 72(t) SEPP Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

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Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

72(t) SEPP calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the 72(t) SEPP Calculator calculate?
Estimate penalty-free early retirement withdrawals using 72(t) substantially equal periodic payments. It returns annual SEPP payment, monthly equivalent, account balance, interest rate used and life expectancy.
Q.02What information do I need to use the 72(t) SEPP Calculator?
You enter 3 inputs: account balance, interest rate (%) and life expectancy (years). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Account Balance” mean in the 72(t) SEPP Calculator?
The retirement account balance used for the SEPP calculation.
Q.04What does “Interest Rate (%)” mean in the 72(t) SEPP Calculator?
The interest rate used. Under IRS Notice 2022-6 it may be any rate up to the greater of 5% or 120% of the federal mid-term rate for either of the two months before the first payment.
Q.05Is the 72(t) SEPP Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the 72(t) SEPP Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the 72(t) SEPP Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the 72(t) SEPP results financial advice?
No. Estimates only. Uses the 72(t) amortization method; the max interest rate, life-expectancy table and rules are IRS-set, and payments must continue for 5 years or until age 59½ (whichever is longer) or penalties apply retroactively. Consult a tax professional.

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