RMD Calculator

Understand your required distributions. Make your own decisions. Take control of your future.

Project your Required Minimum Distributions from age 73 to 90 — and the total lifetime tax exposure they create.

Current Age

Traditional IRA / 401k Balance

Expected Annual Return

Filing Status

Other Retirement Income (annual)

Social Security + pension + other

First RMD (Age 73)

$96,585

Required withdrawal

Total RMDs (73–90)

$2,780,419

Cumulative withdrawals

Total Tax on RMDs

$599,605

Estimated federal tax

⚠ Tax bracket alert at age 73

Your RMDs may push you into the 24%+ bracket starting around age 73. Consider a Roth conversion strategy now to reduce future RMD exposure.

→ See Roth Conversion Analyzer

Annual RMD amounts (age 73–90)

AgeRMD AmountAccount BalanceEst. Tax

73$96,585$2,610,704$18,786

74$102,381$2,658,823$20,177

75$108,082$2,703,785$21,545

76$114,084$2,745,084$22,986

77$119,873$2,782,724$24,375

78$126,487$2,815,610$25,962

79$133,441$2,843,099$27,631

80$140,747$2,864,493$29,385

... through age 90

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RMD amounts use the IRS Uniform Lifetime Table (ULT). Tax estimates are illustrative. Verify with IRS Publication 590-B.

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. For tax advice, consult a CPA or Enrolled Agent. View full disclosures →

How this is calculated

We project your Required Minimum Distributions from age 73 using the IRS life-expectancy tables, and the lifetime tax they create.

The steps

Grow your account to age 73 at your expected return.
Each year, RMD = account balance ÷ the IRS Uniform Lifetime Table factor for your age.
Subtract the RMD, grow the remainder, and estimate the federal tax ATTRIBUTABLE to the RMD — tax on (other income + RMD) minus tax on other income alone.
Sum the RMDs and their attributable tax through age 90.