Plan smarter withdrawals across balances, deadlines, and taxes. See annual amounts, remaining needs, and projections. Model work delays, account types, and future balances clearly.
| Scenario | Birth Year | Calc Year | Account Type | Prior Year-End Balance | Divisor | Estimated RMD |
|---|---|---|---|---|---|---|
| IRA planning case | 1951 | 2026 | Traditional IRA | $250,000.00 | 26.5 | $9,433.96 |
| Later-age case | 1946 | 2026 | SEP IRA | $600,000.00 | 19.4 | $30,927.84 |
| Workplace still-working case | 1952 | 2026 | 401(k) | $420,000.00 | Shown after retirement year input | Depends on delay setting |
Base annual RMD = Prior year-end account balance ÷ Uniform Lifetime divisor.
Remaining RMD = Base annual RMD − taxable amount already taken − qualified charitable amount applied.
Taxable RMD = Base annual RMD − qualified charitable amount applied.
Estimated remaining tax = Remaining taxable amount × marginal tax rate.
Projected next year-end balance = (Prior year-end balance − current-year RMD) × (1 + expected return).
Future-year projection repeats the divisor lookup and growth step for each projection year.
Choose the account type first. Then enter the year you want to analyze and the account owner’s birth year.
Use the prior year-end balance because RMDs are based on the December 31 balance from the previous year.
Add any taxable distributions already taken during the same year. Enter a qualified charitable amount separately if you want a planning estimate for IRA distributions.
If you are using a workplace plan and still working, enter the retirement year only when you want to test a still-working delay scenario.
Set an estimated tax rate and annual return assumption. Then calculate to review the annual RMD, remaining amount, tax estimate, and projected balances.
Use the account balance as of December 31 of the year before the distribution year. That prior year-end value is the normal starting point for owner RMD calculations.
Yes. For an original Roth IRA owner, this file shows no lifetime owner RMD. It also treats designated Roth workplace accounts as owner-exempt in this planning version.
The divisor represents the distribution period from the standard owner table. A larger divisor produces a smaller annual minimum withdrawal, while a smaller divisor increases the minimum.
Some workplace plans can delay owner RMD timing until retirement if the plan allows it and the participant is not a 5% owner. The retirement year field lets you test that scenario.
Yes, as a planning estimate. Enter the charitable amount separately so the page can reduce the modeled taxable portion. Review final tax reporting with your tax professional.
No. This version focuses on the standard owner calculation. If a sole-beneficiary spouse is more than 10 years younger, verify the separate Joint Life table before relying on the final number.
Each projected year uses a new age, a new divisor, and a new starting balance after the prior year’s withdrawal and growth assumption. That makes later-year RMDs dynamic.
No. It is a planning calculator for estimating owner distributions, taxes, and balance paths. Use official instructions and professional advice for filing or compliance decisions.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.