RMD Calculator
About Our Smart RMD Calculator
Our smart calculator provides instant results and leverages AI to offer personalized insights.
Time to Withdraw?
Uncle Sam eventually wants his tax money. RMDs are the government's way of forcing you to start withdrawing from your tax-deferred accounts.
Why This Tool Matters:
- Avoid Penalties: Missing an RMD deadline triggers a massive 25% excise tax on the amount you didn't withdraw.
- Updated Tables: We use the latest IRS Uniform Lifetime Tables (post-SECURE Act 2.0).
- Spouse Benefit: If your spouse is >10 years younger, you can withdraw LESS. Our calculator handles this special rule.
What is an RMD?
A Required Minimum Distribution (RMD) is the minimum amount the IRS requires you to withdraw from your tax-deferred retirement accounts (like Traditional IRAs and 401(k)s) each year.
Because you didn't pay taxes when you put the money in, the IRS eventually wants you to take it out (and pay the taxes). This usually starts at age 73.
The 25% Penalty Trap
RMDs are not optional. If you fail to withdraw the full amount by the deadline (usually Dec 31st), the penalty is severe.
The Math of Missing Out
If your RMD is $10,000 and you forget to take it:
You owe a $2,500 penalty to the IRS (25% excise tax). This is on top of the regular income tax you still owe on the withdrawal.
Which Accounts Require RMDs?
Not all retirement accounts are treated equally. Knowing which ones have RMDs is crucial for your tax planning.
YES (RMD Required)
- Traditional IRA
- SEP IRA & SIMPLE IRA
- Traditional 401(k) & 403(b)
- Rollover IRA
NO (Usually Exempt)
- Roth IRA (for original owner)
- Taxable Brokerage Accounts
- Savings Accounts
How AI Helps You Plan RMDs
Click "Get AI Advice" for tax-smart strategies:
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QCD Strategy (Charitable Giving) "AI detects a high RMD. It might suggest a Qualified Charitable Distribution (QCD) to satisfy the RMD without increasing your taxable income."
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Future Tax Bracket Warning "AI projects that your RMDs will double in 10 years, pushing you into the 32% bracket. It suggests considering Roth conversions now."
Disclaimer & Usage Policy
1. For Reference Only: The calculations, results, and AI-generated insights provided by this tool are for informational and educational purposes only. They represent theoretical outcomes based on user inputs and general assumptions. They do not constitute actionable professional advice, medical diagnosis, or specific financial recommendations.
2. Consult a Professional: Real-world scenarios are complex and subject to changing laws, regulations, and scientific standards. This tool cannot account for your unique individual circumstances. We strongly recommend consulting with a qualified professional (such as a Financial Advisor, CPA, Doctor, or Legal Counsel) before making any actual decisions based on this information.
3. No Liability: By using this tool, you acknowledge that This Website and its affiliates are not liable for any discrepancies, errors, or losses (financial, health-related, or otherwise) arising from the use of or reliance on these tools. You assume full responsibility for your own choices and actions.