SEPP Guard helps you navigate Rule 72(t) early retirement withdrawals, providing precise SEPP amount calculations based on 5+ IRS authority sources.

Free tool

Am I free yet? — 72(t) lockup end-date checker

Enter your date of birth and the date of your first SEPP distribution to see when the IRS lets you stop without triggering retroactive penalties. No login, no save — just the answer.

Your date of birth

First distribution date

Enter both dates to compute your lockup end-date.

Build a real plan What if I break the plan?

Educational use only

This tool computes the mandatory §72(t) window deterministically from your inputs — the later of age 59½ and 5 years from your first distribution. It is not tax, legal, or investment advice and does not guarantee IRS compliance. Confirm with a qualified professional before modifying any distribution.