RMD estimate

Apply IRS Uniform Lifetime divisors and current RMD start ages (73 or 75) to a year-end balance.

This retirement distribution calculator applies current RMD start ages for retirement income planning. Required withdrawals are not optional once they begin.

Labels the illustrated state and tax-year pack. This tool’s numbers do not change with state income tax. Medicare, HSA, 401(k), and RMD rules stay federal.

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Ordinary income besides this RMD, used for federal tax and IRMAA.

Nothing is saved. Leaving this page restores the example.

Example report

Illustrated results

SECURE 2.0 RMD start age

73

Age in 2026

72

Uniform Lifetime divisor

26.5

Illustrated first RMD at age 73

$16,981

  • RMD has not started yet at age 72. The amount shown uses today's balance and the divisor at age 73.

Assumptions

  • Uses the IRS Uniform Lifetime Table (Publication 590-B) for unmarried owners and married owners whose spouse is not more than 10 years younger.
  • SECURE 2.0: born 1950 or earlier start at 72; born 1951–1959 start at 73; born 1960 or later start at 75.
  • RMD dollars are treated as ordinary income for 2026 federal tax (12% marginal bracket after the RMD).
  • State tax uses the shared 2026 California engine (2026-enacted-v1; progressive brackets). California excludes Social Security benefits from state taxable income.
  • MAGI is below the first 2026 IRMAA threshold ($109,000 for this filing status). Estimated Part B is $202.90/mo.
  • Rule year 2026: IRS federal income tax (2026-rev-proc-2025-32) and California state rules (2026-enacted-v1; progressive income tax). Medicare IRMAA, HSA, 401(k), and RMD tables are federal.

Educational planning software—not investment, tax, legal, Medicare, or Social Security advice. Projections depend on your inputs and assumptions. Optional professional review is separate when available.

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