Fixed Amortization is one way to take money out of a retirement account in a series of regular, planned withdrawals. Instead of choosing how much to take out each year, you calculate a fixed amount up front using IRS-approved methods, and then withdraw that same amount annually. This method is often used when someone wants to access retirement funds early without triggering a penalty, as long as they follow certain rules. Once started, these withdrawals must continue on a set schedule for a specific number of years or until a certain age is reached. Fixed amortization provides predictable income, but less flexibility if your needs change later.