RMD Impact Calculator

Estimate how Required Minimum Distributions interact with your portfolio, taxes, and retirement income over time

Understanding RMDs

Required Minimum Distributions (RMDs) force you to withdraw a percentage of your tax-deferred retirement accounts starting at age 73. While they can feel intimidating, for most retirees with modest account balances, RMDs don't create a significant tax burden. This calculator helps you understand your specific situation and whether RMD planning strategies make sense for you.

Your Current Situation

Your Current Age Enter your age today

Tax-Deferred Account Balance (as of 12/31 last year) ($) Traditional IRA, 401(k), etc. - exclude Roth accounts

Expected Annual Growth Rate (%) Typical range: 5-8% for diversified portfolios

Is your spouse the sole beneficiary? Used to determine which IRS life expectancy table applies

Spouse's Current Age Only needed if spouse is more than 10 years younger

Other Retirement Income

Annual Social Security Benefits ($) Expected annual amount (0 if not yet claiming)

Annual Pension Income ($) Include any pension or annuity income

Other Taxable Income ($) Rental income, part-time work, etc.

Tax Information

Tax Filing Status

Use Standard Deduction?

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RMD Impact Calculator

Understanding RMDs

Your Current Situation

Other Retirement Income

Tax Information

Your RMD Projection

Account Balance and RMD Over Time

Year-by-Year Breakdown