RMD Calculator
Calculate your Required Minimum Distribution based on IRS rules
Account Details
Spouse is sole beneficiary
Required Minimum Distribution
$18,248
$1,521/month
Age 75
Life Expectancy Factor
22.9
After-Tax Amount
$14,233
% of Balance
3.65%
Remaining Balance
$481,752
Distribution Breakdown
Remaining Balance
After-Tax RMD
Tax Paid
Year-by-Year RMD Schedule
| Year | Age | Balance (Jan 1) | Life Factor | RMD Amount | Tax (Est.) | After-Tax RMD | Balance (Dec 31) |
|---|
Inherited IRA Details
Inherited IRA Annual RMD
$30,000
10-Year Rule Applies
Withdrawal Rule
10-Year
Deadline Year
2032
Total Withdrawals
$300,000
Est. Growth
$87,433
📌 SECURE Act 2.0 Rules
- Non-spouse beneficiaries must withdraw all funds within 10 years
- No annual RMD required — just full withdrawal by year 10
- Spouse beneficiaries can roll over to own IRA
- Eligible designated beneficiaries may use life expectancy method
Multiple Account RMD Aggregation
You can aggregate RMDs from multiple Traditional IRAs and take total from one account. 401(k) RMDs must be taken separately.
$10,917
Total IRA Balance
$250,000
Total RMD Required
$10,917
Can Aggregate IRAs?
✅ Yes
Must Take Separately
401(k), 403(b)
Roth Conversion Planning
Lifetime Tax Savings (Roth Conversion)
$42,500
Breakeven: 8 years
Without Conversion Tax
$140,000
With Conversion Tax
$97,500
Reduced RMD
$16,398
Conversion Worth It?
✅ Yes
💡 RMD Reduction Strategies
- Roth Conversion: Convert before RMD age to reduce taxable balance
- QCD (Qualified Charitable Distribution): Donate up to $105,000/year tax-free
- Still Working: Delay 401(k) RMDs if still employed
- QLAC: Use up to $200,000 for Qualifying Longevity Annuity Contract