This tool does not provide financial, investment, tax, legal, or accounting advice, and using it does not create any advisory or professional relationship. It is a self-service calculator for general educational and informational purposes only. Nothing it displays should be taken as a recommendation to withdraw — or not withdraw — any amount, or to take any other action. This tool also sells nothing — it runs no ads and has no affiliate, referral, or sponsorship relationships with any brokerage, bank, advisor network, or financial company, so it earns nothing from what you decide and has no incentive to steer you toward any product or provider.
The calculator models the SECURE Act 10-year rule as interpreted by the July 2024 IRS final regulations: annual required minimums in years 1–9 when the owner died on or after their required beginning date (using the IRS Single Life Expectancy Table), no annual minimums when they died before it, and full distribution by December 31 of the tenth year after death. It layers each modeled withdrawal onto your other income using 2026 federal rules — brackets, the standard deduction (including the 65+ additions and the 2025–2028 senior bonus deduction), Social Security provisional-income taxation, capital-gains stacking, the net investment income tax, and Medicare IRMAA tiers.
Real situations have more moving parts: eligible designated beneficiaries (spouses, minor children, disabled or chronically ill beneficiaries, and those within 10 years of the owner's age) have different — usually better — options this tool only flags, not models; trusts and estates as beneficiaries follow different rules entirely; accounts with after-tax basis, multiple beneficiaries, successor beneficiaries, and employer-plan quirks all change the math. Future-year projections hold 2026 rules constant — real brackets and IRMAA tiers are inflation-indexed (so later years should be somewhat kinder than shown), tax law changes, and your income will not stay perfectly level. The "after-tax at the deadline" comparison assumes reinvested withdrawals earn your chosen return with a simplified 15% annual tax drag.
Every figure is a projection built from the inputs you provide using simplified math. Actual results will differ. No accuracy, completeness, or outcome is promised, and the calculations may contain errors. Missed required distributions carry real penalties — verify your personal deadlines and minimums with your custodian and a professional, not with this page alone.
The per-state rate prefills and notes are a good-faith summary of 2026 rules gathered from state revenue department sources in July 2026, applied as a single flat rate you can edit. State retirement-income exclusions have fine print — age conditions, caps shared with other pension income, income cliffs, residency timing — that a prefill cannot capture. Always confirm with your state's tax authority or a preparer before relying on an exclusion.
For money you can't put back, a fee-only fiduciary advisor or CPA who is paid for advice rather than for selling a product is worth real money.
This is an independent, privately made tool. It is not created, endorsed, sponsored, or reviewed by any government agency, brokerage, or financial company.
This tool is provided "as is," without warranty of any kind, express or implied, including any warranty of accuracy, merchantability, or fitness for a particular purpose. To the fullest extent permitted by law, the author shall not be liable for any loss or damages of any kind arising from your use of, or reliance on, this tool or its output. Your use is entirely at your own risk.
This tool is free to use. If a "tip" or "support" option is offered, any payment is a voluntary gift, is not a purchase of the tool or of any service, is not required to use any feature, and is non-refundable. Supporting the project does not entitle you to advice, support, or any particular result, and does not change any part of this disclaimer.
The tool and this notice may be updated at any time; the "Last updated" date above reflects the latest revision. Continued use means you accept the current version.
© 2026 Marcus Cunningham. All rights reserved. This tool is free to use, and you're welcome to share the link — but its code is not licensed for reuse, redistribution, rehosting, or repackaging. Please point people to the official site rather than copying the page.