📊 RMD Calculator

Calculate Required Minimum Distributions for your retirement accounts

⚠️ Important: RMD Rules (2026)
RMDs must begin at age 73 (SECURE 2.0; rising to 75 for those born 1960 or later, starting 2033). Failure to take RMDs results in a 25% penalty on the amount not withdrawn. Roth IRAs have no RMDs during owner's lifetime.
Your marginal federal tax rate
How many years to project
Expected portfolio return
Total RMD Required This Year
$0
💀 Failure to withdraw: $0 penalty (25% of shortage)
💰 Tax Impact Analysis
Federal Tax Owed
$0
After-Tax Amount
$0
10-Year Total RMDs
$0
10-Year Tax Bill
$0
💡 RMD Planning Strategies
  • Consider Qualified Charitable Distributions (QCD) to satisfy RMDs without increasing taxable income (up to $111,000/year for 2026)
  • Time Roth conversions strategically before RMDs begin to reduce future RMD amounts
  • Delay Social Security to offset RMD income and potentially stay in lower tax bracket
  • Aggregate RMDs from multiple IRAs can be withdrawn from a single account
  • Set up automatic monthly withdrawals to dollar-cost average your RMDs throughout the year
  • Consider using RMDs to fund 529 plans for grandchildren (new SECURE 2.0 provision)
  • Review your portfolio allocation - RMDs force selling, so plan accordingly
  • If still working at 73+, you may be able to delay 401(k) RMDs (but not IRA RMDs)