Smirking Cat Software

Owner lifetime required minimum distributions

RMD Calculator

Owner lifetime RMDs for traditional IRAs, 401(k)s, 403(b)s, 457(b)s, and TSP. Uniform Lifetime (Table III) and SECURE 2.0 ages. IRAs and 403(b)s may be pooled; each 401(k) or TSP must be taken from that plan.

Your assumptions

Owner birth year (calendar year)
Default ~US CPI 1975–2025 (BLS)
Default ~S&P 500 total return 1975–2025

Accounts

Prior December 31 balances. Traditional IRAs share one take-from total; 403(b)s share another; each 401(k), 457(b), or TSP is taken from that plan only. Designated Roth (2024+) is not in the owner RMD base.

Results