LEVEL 500 · TOP OF CLIMB

RMD & Tax-Collision Calculator

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

See how required withdrawals could stack onto other income. Adjust the assumptions, review the gap, then save. Enter 0 for amounts that do not apply.

1 · Projection timeline

Age in starting calendar yearUse the age reached by December 31 of the starting year. Birth year + this age sets the projection year (2026 or later).Birth yearSets the RMD cohort. The saved scenario keeps its starting year when you reopen it.Retirement ageContributions stop at this age. If already retired, enter the age you retired; no future contributions are added.

2 · Tax-deferred savings

Starting tax-deferred balanceBalance at the start of the projection year. If RMDs already apply, use the prior December 31 balance, not today’s account value.Annual contribution until retirementYear-end additions before retirement. No contributions are added once modeled RMDs start.Expected annual returnConstant annual growth assumption. Change it to pressure-test the projection.

3 · Income beside the RMD

Annual Social SecurityGross annual benefits at the modeled RMD age. This screen includes a fixed 85% as taxable; your actual taxable portion may be lower.Annual pension incomeTaxable annual pension amount at the modeled RMD age.Other annual taxable incomeOther taxable annual income at the modeled RMD age, excluding the pension, Social Security and RMD entered here.Tax-planning collision lineYour annual income planning line before deductions, not a supplied IRS bracket or Medicare threshold. Use the same future-dollar basis as income.

Model assumptions and limits

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. Uses age reached in the distribution year and a prior-year-end balance. Excludes inherited accounts, younger-spouse tables, still-working deferrals and first-year payment delays. For 1959 births, age 73 follows the IRS proposed cohort treatment; confirm applicability before acting.

READY WHEN YOU ARE—

See how required withdrawals could stack onto other income. Adjust the assumptions, review the gap, then save. Enter 0 for amounts that do not apply.

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