Enter your pre-tax account balances to calculate your Required Minimum Distribution for this year, estimated tax impact, and a 5-year projection showing how your RMD grows over time.
Client information
RMDs are calculated using your age during the calendar year and the December 31 prior-year balance
RMDs begin at age 73 per SECURE 2.0
Determines your marginal tax rate on RMD income
Used to project future balances over 5 years
Pre-tax accounts
Include all traditional IRAs, 401(k)s, 403(b)s, SEP IRAs, and SIMPLE IRAs. Enter the December 31 balance from last year — that is what the IRS uses to calculate this year's RMD.
Account nameTypeDec 31 balance
Current year RMD
Total pre-tax balance
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RMD required this year
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Est. tax on RMD
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After-tax amount
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Tax impact — current year
Estimated federal and state tax on this year's RMD based on your other income and filing status
Enter your information above to see the tax breakdown.
Per-account breakdown
RMDs can be taken from any combination of your pre-tax accounts — the total must be met, but you choose where to pull from
5-year RMD projection
How your RMD grows as your balance compounds and your IRS divisor shrinks each year — assuming 6.0% annual growth
RMD amount
Account balance
Cadence Wealth Partners, LLC · Concord, NC RMDs calculated using IRS Uniform Lifetime Table (2022 update). For planning purposes only — not tax advice. Actual RMDs may differ. Please review with your CPA and advisor.