RMD Calculator
Calculate your Required Minimum Distribution for traditional IRAs, 401(k)s, and inherited accounts. SECURE Act 2.0 compliant with QCD optimization and tax impact analysis.
- Calculate RMDs using 2025 IRS life expectancy tables.
- Handle inherited IRAs with SECURE Act 2.0 10-year rule.
- See aggregation rules for multiple accounts.
- Optimize charitable giving with QCD analysis.
- Understand tax impact including IRMAA and SS torpedo.
- Project RMDs and account balances for 30+ years.
Why Calculate Your RMD?
Required Minimum Distributions ensure that tax-deferred retirement savings eventually get taxed. Missing an RMD can result in a 25% penalty. This calculator helps you determine exactly how much you need to withdraw each year, understand aggregation rules across accounts, and optimize your distribution strategy. For those who are charitably inclined, we also analyze Qualified Charitable Distributions (QCDs) which can satisfy your RMD while excluding the amount from taxable income.
RMD Starting Ages Under SECURE Act 2.0
| Birth Year | RMD Starting Age | First RMD Year |
|---|---|---|
| Before 1951 | 70½ or 72 | Already started |
| 1951 - 1959 | Age 73 | 2024 - 2032 |
| 1960 or later | Age 75 | 2035+ |
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