Disclaimer

Use of RMDAcross — including running the calculator, reading any page, contacting us by email, or clicking on a partner link — does not establish an advisor-client relationship, attorney-client relationship, or accountant-client relationship between you and RMDAcross or any individual associated with RMDAcross.

Required Minimum Distribution rules involve facts unique to your accounts, your beneficiaries, the custodian or plan sponsor, your tax bracket, and your filing status. Information here is general and educational. Consult a credentialed CFP® or CPA before taking, deferring, or correcting an RMD.

The calculator implements Treas. Reg. §1.401(a)(9)-9 distribution-period tables and aggregation rules from §1.408-8 Q-9, §1.403(b)-6(e)(7), §1.401(a)(9)-8 A-1, and IRC §408A(c)(5). It does not compute state-level surtaxes, IRMAA implications, NIIT, basis tracking, sequencing-across-years strategy, or any non-RMD optimization. End-to-end cross-validation against IRS Pub 590-B Appendix B/C/D worked examples is operator-gated before apex-domain launch.

Tax law evolves. SECURE 2.0 implementation guidance is still being issued by the IRS. We update pages on a monthly cron and stamp the verification date on each one, but the authoritative source is always the current IRS publication. When in doubt, follow the publication, not us.