What's your Required Minimum Distribution?
Once you reach RMD age, the IRS requires you to withdraw a minimum amount from traditional retirement accounts each year — whether you need the income or not. Move the sliders to see an estimate.
Estimate this year's RMD
Enter your account balance and age to see an estimated required withdrawal for the year.
Educational estimate using the IRS Uniform Lifetime Table; not tax advice. A different table applies if your sole beneficiary is a spouse more than 10 years younger. RMD age and rules can change with legislation — confirm your specific requirement with your tax professional.
Missing an RMD carries a real IRS penalty. We help you plan withdrawals — including qualified charitable distributions and Roth conversion timing — well before the deadline.
Schedule a Free ConsultationRMDs aren't optional — but the strategy around them is
Missed RMDs carry a real penalty
The excise tax for missing all or part of an RMD can be steep — this isn't a deadline worth discovering after the fact.
RMDs are fully taxable income
A large RMD can push you into a higher bracket, increase how much of your Social Security is taxed, or trigger higher Medicare premiums (IRMAA).
Roth conversions before RMD age can help
Converting funds to a Roth IRA in lower-income years can shrink future RMDs — a strategy worth modeling well before you're required to withdraw.
Qualified charitable distributions count too
If you're charitably inclined, a QCD can satisfy some or all of your RMD without adding to your taxable income.
Keep planning
Roth Conversion Calculator
See whether converting to a Roth now could leave you ahead — or behind — later.
Try it →Social Security Calculator
Compare your estimated benefit at 62, Full Retirement Age, and 70.
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See what long-term care could cost by the time you might need it.
Try it →Retirement Income Estimate
Get a free, personalized estimate reviewed with an advisor.
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