Tax · super (composes 3 primitives)
RMD master
Project your RMDs from age 75 (or 73 if born 1951-59) through 95. We compound the Traditional balance at your expected return, apply the IRS Uniform Lifetime divisors year-by-year, and surface the tax impact + bracket-creep year.
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Inputs
Result
Lifetime RMDs $2,893,969 — paying $640,466 federal tax. Bracket creep to 24% at age 95.
Tax-rich problem: $640,466 of lifetime RMD tax is meaningful — QCDs (qualified charitable distributions) at 70½+ donate up to $108k/yr (2026) without ever hitting your AGI.
- 1
Balance at age 75
$2,037,074
$850,000 compounded at 6.0% for 15 years
- 2
- 3
Peak RMD year
$189,669
Around age 95 — divisors shrink faster than balance grows
- 4
Lifetime RMDs (age 75-95)
$2,893,969
Sum of all forced distributions over the 21-yr window
- 5
Lifetime RMD federal tax
$640,466
Excludes state. Average effective: 22.1%
- 6
Bracket creep year
Age 95
RMD pushes you into the next bracket — consider Roth conversions before this age
Assumptions & notes
- RMD start age depends on birth year: 75 for 1960+, 73 for 1951-1959, 72 for before 1951 (SECURE 2.0 Act).
- Roth IRAs have NO RMDs during the original owner's lifetime. Roth 401(k) RMDs eliminated by SECURE 2.0 starting 2024.
- QCDs (Qualified Charitable Distributions) at 70½+ count toward your RMD but don't hit your AGI — top tool for charitably-inclined retirees.
- Inherited Traditional IRAs (post-2020 deaths) generally must be drained in 10 years — different rules.
Multi-scenario comparison
What if — ±20% on one input
| Scenario | Current age | Headline | Δ vs baseline | Magnitude |
|---|---|---|---|---|
| −20% (cautious) | 48 | Lifetime RMDs $5,823,234 — paying $1,387,030 federal tax. Bracket creep to 24% at age 78. | +$2,061,920 | |
| Baseline | 60 | Lifetime RMDs $2,893,969 — paying $640,466 federal tax. Bracket creep to 24% at age 95. | 0 | |
| +20% (aggressive) | 72 | Lifetime RMDs $1,438,214 — paying $316,407 federal tax. Stays in 22% bracket throughout. | $-1,024,711 |
Try the input with the highest sensitivity (above). The Δ column shows the dollar swing from a 20% move — that's how much room you have for a counter, raise, or hedge.
Goal seek
Solve for an input value
Pick the input you want to vary and the output you care about. We'll find the input value that gets you to the target. Bisection-based; converges in < 50 iterations.
Monte Carlo simulation
Distribution under input uncertainty (500 trials)
We perturb every numeric input with normal-distributed noise (10–25% sigma depending on input type) and run 500 compute trials. The output is a probability distribution, not a single number — closer to how finance actually works.
Most-leveraged inputs (sensitivity analysis)
Where to focus — what moves the answer most
Each input perturbed ±10%; measured impact on Balance at age 75. Higher elasticity = bigger lever.
- 1
RMD start age
Elasticity ↑ 4.64× — 10% change in this input increases Balance at age 75 by 46.4%.
- 2
Current age
Elasticity ↓ 3.57× — 10% change in this input decreases Balance at age 75 by 35.7%.
- 3
Current Traditional IRA / 401(k) balance
Elasticity ↑ 1.00× — 10% change in this input increases Balance at age 75 by 10.0%.
- 4
Expected annual return (%)
Elasticity ↑ 0.85× — 10% change in this input increases Balance at age 75 by 8.5%.
ShowMath is the only calc site that surfaces this. Adjust the highest-leverage input first — that's where small moves create big results.
Chain payload (for the 3D constellation)
{
"slug": "rmd-master",
"depth": 1,
"primitives": [
"rmd-calculator",
"compound-interest-calculator",
"tax-bracket-calculator"
],
"composes": [],
"chain": [
{
"key": "balance_at_start",
"label": "Balance at age 75",
"primitive": "compound-interest-calculator",
"numeric": 2037074.4641347383
},
{
"key": "first_rmd",
"label": "First RMD (age 75)",
"primitive": "rmd-calculator",
"numeric": 82807.90504612756
},
{
"key": "peak_rmd",
"label": "Peak RMD year",
"numeric": 189669.19258859582
},
{
"key": "lifetime_rmds",
"label": "Lifetime RMDs (age 75-95)",
"numeric": 2893968.685719513
},
{
"key": "lifetime_tax",
"label": "Lifetime RMD federal tax",
"primitive": "tax-bracket-calculator",
"numeric": 640466.4947100646
},
{
"key": "bracket_creep",
"label": "Bracket creep year",
"numeric": 95
}
]
}The chain explained
Each step above corresponds to a primitive calculator. Click any to see the stand-alone version with its own explainer + sources.
- rmd calculator
- compound interest calculatorshipping soon
- tax bracket calculatorshipping soon
Chains naturally with
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Traditional → Roth conversion math × bracket-fill optimization × 5-yr seasoning × lifetime tax delta vs RMDs.
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