Estimate your future Required Minimum Distributions — the amount the IRS makes you withdraw (and pay tax on) from pre-tax retirement accounts every year once you hit your RMD age.
Assumes each year’s RMD is your only taxable income, after the standard deduction.
Social Security, pensions, or a working spouse would stack on top and can push you into a higher bracket than shown.
Age
Balance (Jan 1)
Must withdraw
Est. tax
Bracket
Estimates only — not tax, legal, or financial advice. Consult a qualified professional before acting.
RMD start age follows SECURE 2.0: born 1951–1959 → age 73; born 1960 or later → age 75; born 1950 or earlier → already started.
Uses the IRS Uniform Lifetime Table — the common case. If your spouse is your sole beneficiary and 10+ years younger, your real RMDs are smaller.
Taxes: 2026 federal ordinary-income brackets and standard deduction (Rev. Proc. 2025-32), plus the age-65+ deduction add-on, held flat into the future. Assumes the RMD is your only income — no state tax, credits, IRMAA, or the temporary senior deduction (2025–2028, which would lower 2026–2028 estimates slightly).
Growth is a fixed guess at the rate you picked; real returns vary year to year. Each year’s RMD is assumed withdrawn at year-end. Balances are nominal — not adjusted for inflation.
RMDs apply to pre-tax 401(k)/403(b)/457/IRA money. Roth accounts and regular brokerage don’t have RMDs for the original owner. Still working past RMD age? Your current employer’s 401(k) may let you delay — IRAs and old plans don’t.
An RMD is a minimum — you can always withdraw more. Missing one triggers a 25% IRS penalty on the shortfall (10% if corrected quickly).