Estimate the incremental tax and after-tax cash associated with a required minimum distribution. Instead of hardcoding tax brackets, this calculator uses your estimated federal and state marginal rates. It also shows a withholding amount and remaining payment gap, helping you plan cash flow without implying that a marginal-rate estimate equals a completed tax return.
Estimated incremental tax = RMD × min(100%, federal marginal rate + state marginal rate). After-tax RMD = RMD − estimated tax.
The result isolates the entered distribution and applies user-supplied marginal rates. The withholding gap compares planned withholding with that estimate.
Actual tax depends on brackets, deductions, credits, Social Security taxation, local tax, and other income. State and federal effects are not always simply additive.
For a $25,000 RMD at 22% federal and 5% state rates, estimated incremental tax is $6,750 and after-tax cash is $18,250. With 20% withholding, the simple payment gap is $1,750.
An RMD adds income at the margin, so user-entered marginal rates provide a transparent planning estimate.
No. Withholding is a prepayment; final liability is determined on the tax return.
No. Add a local component to the state-rate input only if doing so is appropriate for your planning estimate.
No. The combined entered tax rate is capped at 100% for display safety.
No. Enter only the RMD amount you expect to be taxable after consulting the applicable rules.
| Variable | Calculation |
|---|---|
| Combined rate | Federal rate + state rate, capped at 100% |
| Estimated tax | RMD × combined rate |
| Withholding | RMD × withholding rate |
| Payment gap | Estimated tax − withholding |