72(t) calculator

Year you were born

Birth month

Year of the first payment

Month of the first payment

IRA balance used ($)

Interest rate (blank for the maximum) (%)

Assumed investment return (%)

Method in the schedule

Fixed amortization$64,569 a yearOver 36.2 years at 5.54%

Fixed annuitization$67,501 a yearIRS mortality table at 5.54%

Required minimum distribution$27,624 first yearBalance ÷ 36.2, recalculated yearly

Locked in untilFebruary 2036Five years or 59½, whichever is later

Starting at 50 in November 2026, the highest interest rate allowed is 5.54%. The fixed methods pay between $64,569 and $67,501 a year from this IRA, without the 10% penalty, as long as nothing changes until February 2036.

Free 72(t) calculator by Killion Labs. Tables, worked examples and assumptions are on the full page.