72(t) Distribution Impact Calculator
Your results
72(t) payment, first year
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Balance cost when payments can stop
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Money lasts, with 72(t)
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Money lasts, without
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During the 72(t) period
Payments must continue until–
Total 72(t) payments–
Income tax on them–
10% early withdrawal tax avoided–
Balance then, with 72(t)–
Balance then, without–
If the payments change
Recaptured 10% tax–
Interest on it–
Total owed with that year’s return–
With and without 72(t) payments
Withdrawals are taken at the end of each year, after that year’s growth, to age 100.
| Age | Withdrawal with 72(t) | Balance with 72(t) | Withdrawal without | Balance without | Difference |
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Results are estimates for educational purposes and are not financial, tax or legal advice.
See what taking 72(t) early payments does to your retirement account compared with leaving it alone, how long the money lasts afterwards, and what you would owe if the payments change too soon. If you want to see how the figures change, the free roth ira calculator gives you an instant result you can adjust as you go.