📊 RMD Calculator
Required Minimum Distributions · Age 75+ (year 2061, SECURE 2.0 — born 1960+) · IRS Uniform Lifetime Table · Scott & Courtney Miller
⚙ Inputs
(auto-saved)
Scott — Traditional IRA Balance
$ as of today
Courtney — Traditional IRA Balance
$ as of today
Scott — 401(k) Balance
$ as of today
Courtney — 401(k) Balance
$ as of today
Expected Annual Growth Rate
% per year
Start Year (RMDs begin)
default 2061 = age 75 (SECURE 2.0, born 1960+)
💡 Roth Conversion Opportunity
Annual Roth Conversion Amount
$ per year (2026–2060, 35 yrs)
—
Total RMDs 2061–2090
—
Scott + Courtney combined
Peak Annual RMD
—
—
Est. Total Tax (22%)
—
assumed effective rate on RMDs
Roth Window
Convert before 2061
to reduce RMD burden
📋 RMD Schedule
Year
Age
ULT Period
Scott IRA+401k Balance
Scott RMD
Courtney IRA+401k Balance
Courtney RMD
Combined RMD
ACA / Tax Note
Enter balances above to calculate RMDs