goingfishin asks,The Jan 2000 Federal table 1 includes a 120% rate of 7.77, while 1.2 times 100% rate(6.45) equals 7.74(also used by the Retire Early Java calculator). Which can I safely use(and why the difference)?I've noticed the same thing. The algorithm the IRS uses to determine 120%AFR always seems to yield a number a few hundreths of a point higher than multiplying 100%AFR times 1.2.I agree with TheBadger that the difference can be ignored, especially if you're using the lower number.intercst
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