RMD Tax Calculator
RMD "Tax Bite" Calculator
Mandatory withdrawals can trigger a massive tax bill. See exactly how much the IRS will take from your IRA.
Your Account Details
Traditional IRA, 401(k), 403(b)
Social Security, Pensions, etc.
Mandatory RMD This Year
$0
This must be withdrawn by Dec 31st.
The "Tax Bite"
$0
Estimated Federal Tax on this RMD.
10-Year Forced Withdrawal Outlook
Strategic Insights
QCD Opportunity: If you give to charity, you can use a Qualified Charitable Distribution to satisfy your RMD and pay $0 in tax.
Roth Conversion: Converting before age 73 could reduce your future forced withdrawals significantly.
Your Effective RMD Tax Rate
This is the percentage of your RMD that the government keeps.
Enter your balance and age to see your mandatory tax obligation.
Don't let the IRS dictate your retirement.
Strategic shifts like Gold IRAs or Fixed Annuities can mitigate these mandatory tax hits.
The Logic Behind the Tool
Here is the logic breakdown:
- IRS Uniform Lifetime Table: The tool uses the official IRS distribution factors to determine the required withdrawal. As a senior gets older, the “factor” decreases, meaning the percentage they must withdraw increases.
- Tax Bracket Modeling: It calculates the “Marginal Tax Bite.” It compares the tax on their base income (Social Security/Pension) vs. the tax on their total income after the RMD is added.
- The “Tax Bite” Metric: This is the actual dollar amount of the RMD that goes straight to the IRS rather than the senior’s pocket.
- Projection Logic: It shows a 10-year outlook, as RMDs typically grow in size every year, even if the account balance stays flat, due to the aging factors.
