Forecast how required minimum distributions may combine with Social Security, pension, and other taxable income. Enter an estimated RMD and annual growth assumptions to see first-year gross income, five-year cumulative income, and the share attributable to retirement-account withdrawals. This is a cash-flow forecast, not a tax return calculation.
Year n income = current RMD × (1 + RMD growth)ⁿ⁻¹ + other income × (1 + other-income growth)ⁿ⁻¹.
Gross income measures cash inflow before taxes. The RMD share highlights how much of the five-year forecast comes from mandatory retirement withdrawals.
This tool does not determine whether every income source is taxable or model Medicare premiums, deductions, credits, or filing status.
A $20,000 RMD plus $55,000 of other income produces $75,000 of first-year gross income. With 3% and 2% annual growth respectively, later years are compounded separately.
You may include it for cash-flow planning, but this calculator does not determine its taxable portion.
No. It forecasts gross income only; use a tax-specific estimate for taxes.
Yes, as long as it is greater than -100%; account losses or changing divisors can reduce an RMD.
No. The totals are nominal and follow only the growth rates you enter.
Yes, if you want it included in gross cash flow, while remembering its tax treatment may differ.
| Output | Meaning |
|---|---|
| First-year gross income | RMD plus other income |
| Five-year gross income | All projected income |
| Five-year RMD income | RMD portion only |
| RMD share | RMD total ÷ gross total |