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RMD & Tax-Collision Calculator

Project required withdrawals beside Social Security, pensions, and other taxable income before the collision arrives.

Current ageBirth yearCurrent tax-deferred balanceAnnual contribution until retirementRetirement ageExpected annual returnAnnual Social SecurityAnnual pension incomeOther annual taxable incomeTax-planning collision line

Projection convention: no withdrawals from the tax-deferred balance are modeled before the next RMD age. Entered Social Security, pension, other income, and the collision line are nominal annual dollars at that age; they are not inflated from today. Rules checked in 2026. Uses the current IRS Uniform Lifetime Table and assumes 85% of Social Security is taxable. Federal and state tax, deductions, account fees, Roth balances, QCDs, and future law changes are excluded.

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