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RMD Planner | Required Minimum Distribution Calculator

Calculate your required minimum distribution, then check remaining distribution need, QCD impact, tax withholding, and IRMAA headroom.

Quick answer: Required minimum distributions are annual withdrawals many retirement-account owners must take after the IRS starting age. The amount is based on prior year-end balance and life-expectancy factor.

SWReviewed by SwitchWize Research Desk · Last reviewed July 2, 2026
Required Minimum Distribution
$20,325
Required Minimum Distribution
$20,325
IRS Distribution Factor
25
QCD Applied to RMD
$0
Taxable RMD After QCD
$20,325
Rule-backed calculation
Supported · 2026

Engine retirement-rmd-2026 · us-federal-rmd-2026@2026.1.0

Sources: Retirement topics — Required minimum distributions · Retirement plan and IRA required minimum distributions FAQs · Publication 590-B — Distributions from Individual Retirement Arrangements · Notice 2025-67 — 2026 retirement-plan cost-of-living adjustments

  • Tax figures use the marginal federal and state rates entered; they are planning estimates, not a tax-return calculation.
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RMD breakdown (tax, QCD, and net distribution)
$20,325total
Net after tax$14,431
Estimated taxes$5,894
QCD applied$0
Total$20,325
Remaining RMD to Take
$20,325
Estimated Federal Tax
$4,878
Estimated State Tax
$1,016
Estimated Total Tax
$5,894
Net After-Tax Distribution
$14,431
Projected MAGI After Taxable RMD
$200,325
IRMAA Headroom After RMD
$17,675
Potential Missed-RMD Penalty
$5,081
Potential Correction-Window Penalty
$2,033
Diagnostic

At age 75 with $500,000, your rule-backed RMD is $20,325; $20,325 remains after year-to-date distributions and planned QCDs.

Projected MAGI after taxable RMD is $200,325. The $17,675 figure is planning headroom for the later Medicare year using the threshold you supplied.

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Share this result

My estimated RMD is $20,325, remaining RMD is $20,325, and projected IRMAA headroom is $17,675.

RMD tax and timing planRMD action still needed
Required distribution
$20,325
Remaining RMD
$20,325
QCD applied
$0
Estimated tax
$5,894
Next best move

Schedule the remaining distribution or QCD before year-end, then confirm withholding and cash-bucket use.

IRMAA headroom

Projected MAGI after taxable RMD is $200,325, leaving $17,675 versus the selected threshold.

Penalty context

A missed remaining RMD could expose about $5,081 of excise tax, or $2,033 if timely corrected.

After-tax distribution

Taxable RMD after QCD is $20,325; estimated net after tax is $14,431.

What to do next

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Your action plan
  1. 1

    Confirm the remaining RMD

    Compare the required distribution with year-to-date distributions and planned QCDs.

  2. 2

    Check tax and IRMAA headroom

    Use taxable RMD and projected MAGI before deciding how much to withhold or distribute.

  3. 3

    Build the RMD plan in Money Map

    Save RMD, tax, QCD, IRMAA, and paycheck decisions together.

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This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

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Build this RMD plan in Money MapSave the distribution, QCD, tax withholding, IRMAA, and retirement paycheck decisions together.
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Review retirement tax stackCheck Roth conversion, IRMAA, RMD, Social Security, and cash-bucket tradeoffs together.
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Check Medicare IRMAA riskModel whether the taxable RMD could push Medicare premiums into a surcharge tier.
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Turn RMD into a paycheckDecide how the after-tax distribution fits monthly income, cash reserves, and spending needs.
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Compare IRA providersReview IRA options after the distribution and tax plan are clear.
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Frequently Asked Questions

Everything you need to know.

What happens if I miss my RMD deadline?
The IRS charges a penalty on the amount not withdrawn in time, though it can be reduced if the shortfall is corrected promptly and a reasonable-cause explanation is filed. This calculator's remaining-RMD output is meant to catch a shortfall before the deadline, not after.
What is a QCD and how does it affect my RMD?
A Qualified Charitable Distribution sends IRA funds directly to a qualifying charity and can count toward satisfying your RMD without adding to your taxable income, which is why this calculator lets you enter a planned QCD amount separately from other distributions.
Why does the calculator ask about IRMAA headroom?
An RMD adds to your MAGI, and crossing an IRMAA threshold raises your Medicare Part B and Part D premiums for the following year. Checking your headroom before taking the full distribution can help you plan around, or knowingly accept, that tradeoff.
Is the RMD Planner free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the RMD Planner affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to build this in money map, or run Money Map to compare this investing & retirement decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (ira) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
How fresh are the rates and offers shown?
Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.
Where can I see the ranking methodology?
The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

Missing an RMD deadline carries a real IRS penalty, and taking one without checking the tax and Medicare IRMAA impact first can push you into a higher bracket or trigger a Medicare surcharge you didn't plan for. Seeing the RMD amount alongside its tax and IRMAA effects, and how a Qualified Charitable Distribution changes both, is what turns a mandatory withdrawal into a planned one instead of a year-end scramble.

How to Use It

  1. 1Enter your prior-year account balance and current age
  2. 2Add any distributions already taken this year and a planned QCD amount
  3. 3Enter your IRMAA threshold to see how much MAGI headroom you have
  4. 4Review the remaining RMD, tax estimate, and IRMAA headroom before finalizing your distribution
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