Required Minimum Distribution
Get your exact RMD for this year plus a 10-year projection so you can plan withholding, Roth conversions, and QCDs before the IRS forces the timing.
$16,981
this year's RMD
Tax: ~$3,736
Projection
This year RMD
$16,981
This year tax
$3,736
Total 10yr RMDs
$218,890
Total 10yr taxes
$48,156
Freedom Coach™
Your 73-year-old RMD: $16,981 (owe ~$3,736 in tax).
Over 10 years you'll withdraw $218,890 and pay $48,156 in taxes on it.
Premium
Save RMD projections alongside Roth conversion and QCD scenarios to smooth taxes across retirement.
Unlock PremiumAge 73 for those turning 72 after 2022. Rising to 75 in 2033 under SECURE 2.0. Applies to Traditional IRAs, 401(k)s, 403(b)s, and similar pre-tax accounts.
25% of the amount you failed to withdraw (down from 50%). Corrected within 2 years drops it to 10%. Set an auto-withdrawal by Dec 15.
Prior year-end balance ÷ IRS Uniform Lifetime Table divisor for your age. At 73 the divisor is 26.5; each year it shrinks so RMDs get larger.
Roth IRAs: no RMDs during your lifetime. Roth 401(k): no more RMDs starting 2024. Inherited Roth IRAs DO have RMD rules.
Roth conversions in low-income years before 73, Qualified Charitable Distributions (up to $105k/yr direct to charity), and delaying Social Security to spread income.
Join our email list for tailored tips, milestone nudges, and new calculator releases.