HealthyFP
Investment Adviser Registered in Pennsylvania
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RMD Projection Calculator
Required Minimum Distribution projections with inflation-adjusted present value analysis
RMD Projection Calculator
Visualize how Required Minimum Distributions will impact your retirement account over time — and what those future dollars actually mean in today's purchasing power.
Assumptions Used
What does "Today's Dollars" mean?
Each year's RMD is a nominal amount — the actual dollars you'll withdraw and owe taxes on. But a dollar 20 years from now buys less than a dollar today. The "Today's Dollars" column discounts each future RMD back to present value using your inflation assumption. This doesn't project tax rate changes — it answers: "What is this future withdrawal worth in today's purchasing power?" Since tax brackets have historically been indexed to inflation, this gives you a clearer picture of the real economic impact of each distribution.
Account Balance Over Time
Growth phase before RMDs begin, then the gradual drawdown as distributions are taken each year.
Nominal RMD vs. Today's Dollars
The nominal RMD (what you actually withdraw) vs. what that withdrawal is worth in today's purchasing power.
RMD as % of Account Balance
As the IRS divisor shrinks with age, the required percentage withdrawal accelerates.
Cumulative Distributions
Total dollars withdrawn over time (nominal) vs. what those dollars represent in today's purchasing power.
HealthyFPYear-by-Year Projection
| Age | Starting Balance | Growth | Pre-RMD Balance | IRS Divisor | RMD (Nominal) | Ending Balance | RMD (Today's $) |
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Important Disclosures
This calculator is intended for informational and general educational purposes only and is not individualized tax, legal, or investment advice. It does not account for changes in tax laws, investment returns, inflation, or personal financial circumstances. RMD rules can be complex and may change. This calculator uses the IRS Uniform Lifetime Table (effective 2022) and assumes the account is not subject to a different distribution table (e.g., eligible designated beneficiary, spousal exception with >10-year younger spouse as sole beneficiary, inherited IRA rules, etc.).
Inputs and assumptions (rates of return, timing of withdrawals, tax impacts, fees, and account behavior) materially affect results. Verify all calculations and consult qualified professionals before acting.
This tool does not constitute an offer to sell or a solicitation to buy any securities, products, or services. Rates of return are hypothetical and are not any promise of return. Please consult with your financial advisor, tax preparer, and therapist before making any financial decisions.
Advisory services are offered through wHealthyFP LLC, doing business as HealthyFP, an investment adviser registered with the state of Pennsylvania. Advisory services are provided only to clients or prospective clients where wHealthyFP LLC (HealthyFP) and its representatives are properly registered or exempt from registration.
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