Build a five-year required minimum distribution schedule from a starting retirement-account balance, expected return, and editable life-expectancy divisor. The calculator shows the first withdrawal, projected total withdrawals, and ending balance. It is a planning estimate—not a substitute for the IRS tables or advice specific to inherited accounts.
Annual RMD = prior year-end account balance ÷ applicable distribution divisor. Projected ending balance = (starting balance − RMD) × (1 + annual return).
The first result estimates the current withdrawal. The five-year total and ending balance show how required distributions and investment growth may interact.
Federal RMD rules, starting ages, account aggregation, and inherited-account rules can change. Verify the correct IRS table and deadline.
With a $500,000 balance, 26.5 divisor, 5% return, and a 1.0 annual divisor reduction, the first RMD is $18,867.92. The calculator repeats the balance-and-divisor process for five years.
Generally use the relevant prior year-end retirement-account balance, but confirm account-specific and inherited-account rules.
No. You enter the applicable divisor, which lets the tool accommodate the table and situation you have verified.
This projection subtracts the annual RMD first and then applies the entered annual return to the remaining balance.
Only as a rough model. Inherited-account timing and payout requirements can differ substantially.
Both the account balance and the assumed divisor change, so the quotient changes each year.
| Input | Role |
|---|---|
| Starting balance | Base used for year 1 |
| Divisor | Years from the applicable table |
| Annual return | Growth after each withdrawal |
| Divisor reduction | Planning assumption for later years |