Index card · Retirement
RMD and withdrawal calculators
Seven distribution tools on current rules: RMDs from 73 (born 1951–1959); 75 (born 1960 or later)2026 · IRS, inherited accounts, 72(t) payments, early withdrawals and NUA.
Distribution decisions are where retirement and tax meet, and where a mistake costs real money. These calculators let clients check the arithmetic and send the result to the firm that will file the return or place the trade.
Required Minimum Distribution (RMD)
how much do I have to take out of my IRA this year
RMD - Year To Begin
what year do I have to start taking RMDs
Inherited IRA RMD
do I have to take money out of my inherited IRA
72(t) SEPP
how can I take money from my IRA before 59 and a half without penalty
Early Withdrawal Cost
how much will I lose if I cash out my 401k
Gross Distribution
how much do I need to take out of my ira to get 20000
Company Stock Distribution (NUA)
should I roll over my company stock or use NUA
When clients ask about withdrawals
Company Stock Distribution (NUA)
At retirement or separation, before any rollover. “should I roll over my company stock or use NUA”
72(t) SEPP
The months before an early retirement. “how can I take money from my IRA before 59 and a half without penalty”
Early Withdrawal Cost
Between jobs, or in a financial emergency. “how much will I lose if I cash out my 401k”
Gross Distribution
Before a large planned expense in retirement. “how much do I need to take out of my ira to get 20000”
RMD - Year To Begin
The year a client turns 72 or 74. “what year do I have to start taking RMDs”
Inherited IRA RMD
The first fall after a parent or spouse dies. “do I have to take money out of my inherited IRA”
Required Minimum Distribution (RMD)
November, when the year-end deadline gets close. “how much do I have to take out of my IRA this year”
Withdrawals & RMDs: questions firms ask
Which table does the RMD calculator use?
IRS Uniform Lifetime Table, in use since 20222026 · IRS Publication 590-B for account owners. Inherited accounts use the single life approach in the inherited IRA calculator.
What does the early withdrawal calculator include?
Income tax at the rate entered and the additional tax of 10% before age 59½ (age-55 separation-from-service exception for plans)2026 · IRS.
What is the gross distribution calculator for?
Working out how much to withdraw to net a target amount after withholding and any penalty.
Does the 72(t) calculator follow Notice 2022-6?
Yes: Payments run 5 years or to age 59½, whichever is longer; rate up to the greater of 5% or 120% of the federal mid-term rate2026 · IRS Notice 2022-6.
Who needs the NUA calculator?
Employees with appreciated company stock in a 401(k). It compares the NUA strategy with a rollover, using 0%, 15% or 20% depending on income2026 · IRS for long-term gains.
Can clients find the year their RMDs begin?
Yes, the RMD year-to-begin calculator works it out from birth date.
Why are these good for CPA firms?
Each distribution affects the return. Requests in the fourth quarter give time to plan withholding.
Which plan includes them?
Every plan, including free Practitioner (up to 5 calculators at once).
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Embed RMD and withdrawal calculators and receive the balance, age and result before December 31.
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