First Modification Date Calculator

Use this calculator to find the date at which you will have fulfilled your SEPP obligation and can modify your distribution payment amounts. Generally, after reaching age 59 1/2, you are free to take any distribution amount you want, but if you started your SEPP after age 54.5 you will need to wait until you have satisfied the 5 year requirement.

INSTRUCTIONS: In the top section of the form, enter your date of birth and the date of your first SEPP distribution. Your first modification can be the later of 5 full years of distributions, or age 59 1/2.