Required minimum distributions, or RMDs, are the amounts the IRS makes you withdraw each year from tax-deferred accounts once you reach a certain age.
PortfolioPilot calculates your RMD every year of every simulation from the IRS Uniform Lifetime Table, and reinvests any part you do not need to spend. Included in the Free plan.
This is a hypothetical plan. Hover the chart to read the RMD and total withdrawals at any age.
Interactive chart of required minimum distributions and total withdrawals by age for a hypothetical plan, at the 50th and 10th percentile.
The portfolio is hypothetical, and all figures are for demonstrative purposes only. Nothing shown is a recommendation to buy or sell any security.
Three steps from your accounts to the answer.
Connect brokerages, 401(k)s and IRAs from 12,000+ institutions, upload a statement, or enter holdings by hand.
Open Plan, then Retirement planning. Enter your ages, monthly budget and Social Security, or keep the defaults.
RMDs appear in the projection and in the year-by-year table. Turn RMDs modeled on or off in Taxes & withdrawals.
The rules applied inside every simulation.
73 if you were born in 1959 or earlier, 75 if you were born in 1960 or later.
Each year's RMD is the account balance divided by the table's factor for your age.
If an RMD is more than you need to spend, the rest is reinvested.
Converting before RMDs start leaves less in tax-deferred accounts.
Tests Roth conversion schedules bracket by bracket.
Spending that adjusts when markets move a lot.
Your chance of not running out of money, from 1,000 simulations.
Home purchases, care costs, windfalls and more in your plan.
Add your retirement accounts and set up your plan. RMD modeling is included in the Free plan.
Get startedShort answers here, with a link to the full help center article where one exists.
Yes, every year of every simulation, from the IRS Uniform Lifetime Table. Read more in the Help Center →
Conversions before RMDs start shrink your tax-deferred balance, so later RMDs are smaller. Read more in the Help Center →
At 73 if you were born in 1959 or earlier, and at 75 if you were born in 1960 or later.
The planner reinvests it.
Yes. It is part of every projection in the Free plan.
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