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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

Enter your age today
Traditional IRA, 401(k), etc. - exclude Roth accounts
Typical range: 5-8% for diversified portfolios
Used to determine which IRS life expectancy table applies
Only needed if spouse is more than 10 years younger

Other Retirement Income

Expected annual amount (0 if not yet claiming)
Include any pension or annuity income
Rental income, part-time work, etc.

Tax Information

🔒 See Your Complete Retirement Timeline

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