ProMoney · Simulator
Required Minimum Distribution (RMD) Simulator
What you must withdraw from retirement accounts.
Assumptions
Required distribution
$32,520
As % of balance
4%
Life-expectancy divisor
24.6
| Line | Value |
|---|---|
| Balance | $800,000 |
| Divisor (age 75) | 24.6 |
| RMD | $32,520 |
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Built by The Crimson Bench · Educational model, not financial advice
About the Required Minimum Distribution (RMD) Simulator
Enter your balance and age to estimate your Required Minimum Distribution using the IRS Uniform Lifetime Table.
It's built for directional planning: change any assumption and watch the whole projection move, the way a seasoned operator pressure-tests a plan before committing capital. Everything is computed live in your browser — nothing is sent anywhere.
How the Required Minimum Distribution (RMD) Simulator Works
The model takes 2 assumptions and returns 3 headline metrics plus a full breakdown. Here is exactly what goes in and what comes out — no black box.
The Inputs
| Assumption | Example value |
|---|---|
| Account balance (prior year-end) | $800,000 |
| Age | 75 |
Worked Example
Every figure below is produced by the live model using the example assumptions above. Change any input in the simulator to see your own numbers.
Required distribution
$32,520
As % of balance
4%
Life-expectancy divisor
24.6
| Line | Value |
|---|---|
| Balance | $800,000 |
| Divisor (age 75) | 24.6 |
| RMD | $32,520 |
The Operator's Read
RMDs begin at 73 and rise as a percentage each year — miss one and the penalty is steep. Planning withdrawals (or Roth conversions) before RMDs hit can lower lifetime taxes. Educational only, not tax advice.
Assumptions & Limitations
- •The model is deterministic: it projects your inputs forward with clear arithmetic, not a Monte-Carlo or probabilistic forecast. It shows one scenario at a time — run several to bracket a range.
- •Defaults are illustrative benchmarks, not your business. Replace every field with your real numbers before drawing conclusions.
- •It abstracts away taxes, financing, seasonality, and one-off events unless a field explicitly captures them. Treat the output as a directional estimate.
- •This is an educational tool, not financial, investment, tax, or legal advice. Validate real decisions with a qualified professional.
Frequently Asked Questions
What does the Required Minimum Distribution (RMD) Simulator calculate?
Enter your balance and age to estimate your Required Minimum Distribution using the IRS Uniform Lifetime Table. It takes 2 assumptions — Account balance (prior year-end), Age — and returns Required distribution, As % of balance, Life-expectancy divisor, along with a full projection table you can export.
How do I use the Required Minimum Distribution (RMD) Simulator?
Enter your own figures in the input fields above — Account balance (prior year-end), Age, and the rest. The model recalculates instantly and shows the resulting Required distribution and full breakdown. No sign-up needed to run it.
Is the Required Minimum Distribution (RMD) Simulator free?
Yes — you can run the simulator and see the headline results for free. Toolkit Pro unlocks the full projection table, Excel/PDF export, saved scenarios, and AI analysis: $180/mo, $1,728/yr, or unlock any 3 simulators for $20.
What's the difference between this and a free calculator?
A calculator answers one question. This simulator models the full picture — multiple linked assumptions, a projection table, and scenario comparison — the way an operator would build it in a spreadsheet, but instantly.
Who built the Required Minimum Distribution (RMD) Simulator?
The Crimson Bench's Ivy League-educated operators — the same people we deploy into C-suites. This is the self-serve version of a model they'd build inside a live engagement.
Is this financial advice?
No. The Required Minimum Distribution (RMD) Simulator is an educational modeling tool for directional planning — not financial, investment, tax, or legal advice. Validate any real decision with a qualified professional.
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The Crimson Bench · Est. 2002 · Founded in New York City
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