I will be starting 72t SEPP in January. For the calculation, I know that I can use the GREATER of 5% or 120% AFR mid-term rate, but unsure which AFR rate to use: annual, semiannual, quarterly, or monthly. I will be taking my yearly distribution in 12 monthly payments, so does that mean I use the 120% AFR mid-term rate for monthly?
November 2023 AFR: https://www.irs.gov/pub/irs-drop/rr-23-20.pdf
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