SEPP vs Early Withdrawal Comparison Calculator
Compare net proceeds from structured SEPP distributions vs taking a one-time early withdrawal with penalty.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Early: Net = Amount × (1 − Tax − 10%); SEPP: Monthly = Balance / Approx Life Expectancy
SEPP avoids the 10% penalty but requires fixed payments for 5 years or until 59½. Great for those who need regular income.
Frequently Asked Questions
How long must I continue SEPP payments?
The longer of 5 years or until you reach 59½. Modifying before that triggers penalties retroactively.