What's inside
- Plan: the rule that applies (10-year rule, 10-year rule with yearly RMDs, or life expectancy for eligible beneficiaries), the deadline, your and the owner's life expectancy, and a check
- Two plans side by side: the minimum only, or spread evenly to empty the account by a year you choose: first-year withdrawal, total, largest year
- Years: up to 90 years of divisors, RMDs, withdrawals and balances for both plans
- The IRS Single Life Expectancy Table (Publication 590-B, Table I) built in
- Sample: a parent died in 2024 after starting RMDs, $400,000 at the end of 2025: the 2026 RMD is $11,363.64; taking only the minimum leaves $485,518 to come out in 2034, spreading it evenly means $46,667 in 2026 rising to $68,948
Checked, not just designed: all 918 formulas recalculate with zero errors, and every year was checked against an independent calculation in 19 cases, including the IRS publication's own examples.
Works in Excel and Google Sheets. For non-spouse beneficiaries; spouses, minor children, trusts and estates have other rules. Not tax advice.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.