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RMD Calculator

Your required minimum distributions from age 73 to 90, and the federal tax they add over those years.

About 3 minutesFree, no account

Your numbers

yrs
$
%
Social Security, pension and other income.
$
First RMD (Age 73)
$96,585
Total RMDs (73–90)
$2,780,419
Total Tax on RMDs
$590,397

The first figure is the required withdrawal at 73; the second the cumulative withdrawals to age 90; the third the estimated federal tax those withdrawals add.

Tax bracket alert at age 73

Your RMDs may push you into the 24% bracket or higher from around age 73. A Roth conversion strategy now can reduce future RMD exposure.

See the Roth Conversion Analyzer

Annual RMD amounts, age 73 to 90

75
80
85
90
First eight years of the projection; it runs to age 90.
AgeRMD AmountAccount BalanceEst. Tax
73$96,585$2,610,704$18,415
74$102,381$2,658,823$19,805
75$108,082$2,703,785$21,174
76$114,084$2,745,084$22,614
77$119,873$2,782,724$24,003
78$126,487$2,815,610$25,591
79$133,441$2,843,099$27,260
80$140,747$2,864,493$29,013
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RMD amounts use the IRS Uniform Lifetime Table. Tax estimates are illustrative. Verify with IRS Publication 590-B.

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

  1. Grow your account to age 73 at your expected return.
  2. Each year, RMD = account balance ÷ the IRS Uniform Lifetime Table factor for your age.
  3. 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.
  4. Sum the RMDs and their attributable tax through age 90.

Assumptions

  • IRS Uniform Lifetime Table; 2025 federal brackets.

Good to know

  • Assumes a steady return; doesn’t cover inherited-account or still-working exceptions.
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. For tax advice, consult a CPA or Enrolled Agent. View full disclosures