How does aggregating IRAs work when I need to take RMDs from several accounts?
The IRS lets you total the required minimum distributions from all your Traditional, SEP, and SIMPLE IRAs and then take the entire combined amount from any one or more of them, in whatever mix you choose. So if you have three IRAs, you calculate each account's RMD, add them up, and can satisfy the whole obligation by withdrawing from a single account. This flexibility does not extend across account types: IRA RMDs and 401(k) RMDs can't be combined, and each 401(k) must generally pay its own RMD separately. Inherited IRAs also follow their own aggregation rules. This lets you leave your best-performing IRA untouched while draining another. Confirm the aggregation rules at irs.gov.
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →