RMD Calculator

Free Online RMD Calculator

Required Minimum Distributions · Multi-Account · Tax Impact · 30-Year Projection

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RMD Calculator

Required Minimum Distributions · Multi-Account · Tax Impact · 30-Year Projection

The IRS requires withdrawals from Traditional IRAs, 401(k)s, 403(b)s, and most retirement accounts starting at age 73 (SECURE 2.0 Act). Missing an RMD triggers a 25% excise tax on the amount not withdrawn. Roth IRAs are exempt during the owner's lifetime.

Your Account

Your Age This Year

yrs

Account Balance (Dec 31 prior year)

Account Type

Spouse Age (if sole beneficiary)

yrs (0 = N/A)

Expected Annual Return

Life Expectancy

yrs

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RMD Status

—

This Year's RMD

—

Monthly Equivalent

—

IRS Life Expectancy Factor

—

RMD as % of Balance

—

Balance After RMD

—

Deadline

—

Penalty if Missed (25%)

—

Next Year RMD (est.)

—

Total RMDs Over Lifetime

—

Remaining Balance at Life Exp.

—

🔮 Scenarios

If you withdraw 10% more than RMD:—

If your return drops to 3%:—

Inherited IRA — 10-year rule total:—

If you convert $50K to Roth before RMD age:—

QCD (Qualified Charitable Distribution) offset:—

📊 30-Year RMD Projection

Age	IRS Factor	Balance (Jan 1)	RMD	After-RMD Balance	% of Balance

RMD Strategy Tips

You can aggregate RMDs across multiple Traditional IRAs and withdraw the total from any one account. However, 401(k) and 403(b) RMDs must be taken separately from each plan. Add all your pre-tax retirement accounts below.

Your Retirement Accounts

Your Age This Year

yrs

Marginal Tax Rate

Total RMD This Year

—

After-Tax RMD

—

📊 RMD by Account

Total Pre-Tax Balance

—

Combined RMD Rate

—

Federal Tax on RMDs

—

Aggregation Strategy

—

🔮 Aggregation Scenarios

IRA accounts — can pool RMDs into one withdrawal:—

401(k) accounts — must be taken separately:—

QCD offset available (max $105,000/yr):—

If you consolidate all IRAs into one:—

Penalty if entire RMD missed (25%):—

Multi-Account Tips

RMDs are taxed as ordinary income — they stack on top of Social Security, pensions, and other income. Large RMDs can trigger IRMAA Medicare surcharges, increase Social Security taxation, and push you into higher brackets. Plan ahead with Roth conversions.

Income & RMD Details

Annual RMD Amount

Other Annual Income (SS, pension, etc.)

Filing Status

Social Security Income (annual)

Standard / Itemized Deductions

QCD Amount (reduces taxable RMD)

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Tax Impact Assessment

—

Federal Tax on RMD

—

Effective Tax Rate on RMD

—

Total Gross Income

—

Taxable Income

—

Marginal Bracket

—

Total Federal Tax

—

Taxable SS Income

—

After-Tax RMD

—

IRMAA Surcharge Risk

—

QCD Tax Savings

—

🔮 Tax Reduction Strategies

If you donate full RMD as QCD (max $105K):—

If you did Roth conversions before 73 (RMD reduced 20%):—

IRMAA threshold (MFJ $206K MAGI in 2024):—

Withhold taxes from RMD vs paying quarterly:—

If RMD was $10K larger — marginal tax on increase:—

Tax Planning Tips

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