RMD Calculator
Project your Required Minimum Distributions year by year. See the tax impact, IRMAA warnings, and how your balance changes over time.
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Assumptions
RMD Amounts by Age
Year-by-Year Projection
| Age | Balance | Divisor | RMD | Est. Tax | Rate | Flags |
|---|---|---|---|---|---|---|
| 73 | $952,813 | 26.5 | $35,955 | $4,315 | 12% | |
| 74 | $971,869 | 25.5 | $38,113 | $4,574 | 12% | |
| 75 | $989,782 | 24.6 | $40,235 | $4,828 | 12% | |
| 76 | $1,006,520 | 23.7 | $42,469 | $5,096 | 12% | |
| 77 | $1,021,894 | 22.9 | $44,624 | $5,355 | 12% | |
| 78 | $1,035,906 | 22.0 | $47,087 | $5,650 | 12% | |
| 79 | $1,048,148 | 21.1 | $49,675 | $5,961 | 12% | |
| 80 | $1,058,381 | 20.2 | $52,395 | $6,287 | 12% | |
| 81 | $1,066,345 | 19.4 | $54,966 | $6,663 | 22% | Bracket |
| 82 | $1,072,062 | 18.5 | $57,949 | $7,319 | 22% | Bracket |
| 83 | $1,074,959 | 17.7 | $60,732 | $7,931 | 22% | Bracket |
| 84 | $1,075,081 | 16.8 | $63,993 | $8,648 | 22% | Bracket |
| 85 | $1,071,753 | 16.0 | $66,985 | $9,307 | 22% | Bracket |
| 86 | $1,065,055 | 15.2 | $70,069 | $9,985 | 22% | Bracket |
| 87 | $1,054,684 | 14.4 | $73,242 | $10,683 | 22% | Bracket |
| 88 | $1,040,329 | 13.7 | $75,936 | $11,276 | 22% | Bracket |
| 89 | $1,022,256 | 12.9 | $79,245 | $12,004 | 22% | Bracket |
| 90 | $999,592 | 12.2 | $81,934 | $12,595 | 22% | Bracket |
| 91 | $972,718 | 11.5 | $84,584 | $13,179 | 22% | Bracket |
| 92 | $941,422 | 10.8 | $87,169 | $13,747 | 22% | Bracket |
| 93 | $905,508 | 10.1 | $89,654 | $14,294 | 22% | Bracket |
| 94 | $864,805 | 9.5 | $91,032 | $14,597 | 22% | Bracket |
| 95 | $820,199 | 8.9 | $92,157 | $14,845 | 22% | Bracket |
RMDs are mandatory. The tax bill they create is not.
Reduce Your RMD Tax Burden
Strategic Roth conversions, QCDs, and income timing between now and age 73 can dramatically reduce the taxes you pay on Required Minimum Distributions. This calculator shows the problem — we build the solution.
Get a Personalized RMD StrategyThis calculator uses the IRS Uniform Lifetime Table III and simplified tax assumptions. Actual RMDs depend on your specific account type, beneficiary designations, and IRS regulations. Tax estimates are approximate. This tool is for educational purposes only. Consult a qualified financial advisor and tax professional before making distribution decisions.
Understanding Required Minimum Distributions in Tampa Bay
Required Minimum Distributions force you to withdraw — and pay taxes on — a growing percentage of your Traditional IRA and 401(k) balances each year starting at age 73. For Tampa Bay retirees with significant tax-deferred savings, RMDs can push you into higher federal brackets and trigger Medicare IRMAA surcharges, even in a state with no income tax.
The key planning window is between retirement and age 73. Strategic Roth conversions, charitable distributions (QCDs), and income timing during these years can significantly reduce your lifetime RMD tax burden. This calculator shows you the trajectory — a personalized plan shows you what to do about it.
Serving retirees and pre-retirees across Tampa, Wesley Chapel, Clearwater, St. Petersburg, Sarasota, and the greater Tampa Bay area. Schedule a free RMD strategy conversation to see how proactive planning can reduce your tax exposure.