RMD Planning
Stay ahead of Required Minimum Distributions for your Traditional IRA, 401(k) and other tax-deferred accounts. Retirewise calculates RMDs automatically, projects them year by year, and coordinates with Roth conversion planning to minimize lifetime taxes.
Automatic RMD calculations
Calculate Required Minimum Distributions automatically for Traditional IRA, 401(k), 403(b), and other tax-deferred accounts based on age and account balance—and project them year by year.
Year-by-year RMD timeline
View a clear timeline of every required distribution from your RMD start age forward, so you can plan cash flow and avoid surprise tax bills.
Roth-conversion coordination
Model strategic Roth conversions in the years before RMDs begin to reduce your future required distributions and the lifetime tax cost of your retirement accounts.
Tax-bracket impact
See exactly how each RMD affects your federal and state taxable income, capital-gains brackets, and Social Security taxation—year by year, in context.
Bracket-creep alerts
Identify the years where RMDs push you into a higher tax bracket, so you can plan conversions, charitable distributions, or withdrawal sequencing changes ahead of time.
Lifetime-tax minimization
Compare scenarios with and without pre-RMD Roth conversions to find the strategy that minimizes total lifetime taxes across taxable, tax-deferred, and tax-free accounts.
Key Benefits
Why model RMDs inside your retirement plan?
Automatic RMD calculation by age and account balance
Year-by-year projections aligned with your retirement plan
Coordinated with Roth conversion planning
Tax-bracket impact for federal and state taxes
Visible inside withdrawal-sequence and scenario tools
Educational only — confirm filing rules with a qualified tax professional
Take control of your RMDs
Project future RMDs, coordinate Roth conversions, and minimize lifetime taxes—all inside your Retirewise plan.